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Umbrella Insurance

You may have substantial liability limits on your homeowners and automobile insurance policy. However, it is not uncommon for a jury to award damages that exceed those limits. An umbrella policy will provide coverage when your automobile or homeowners liability limits have been exhausted.

Many insurance companies require that you purchase both your automobile and homeowners insurance through them in order to buy an umbrella policy. Coverage amounts are written in increments of $1 million. Since the majority of risk is paid by your primary automobile or home policies, a personal umbrella policy is relatively inexpensive.

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You may have substantial liability limits on your general liability, auto liability and employers liability policies. However, it is not uncommon for a jury to award damages that exceed those limits. A commercial umbrella policy will provide excess coverage when your general, auto and employers liability limits have been exhausted.


Grillo & Associates has a reputation of providing excellent service. Contact our office and let our team of specialists assist you in determining what policy will be best suited for your business.