Protection that goes beyond your existing liability coverage

Umbrella Insurance

What is Umbrella Insurance?

A personal umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains.

Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide more coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances.

What does an umbrella insurance policy cover?

Every policy is different. What is considered a covered liability under one insurance policy, may not be covered on another insurance policy.

Umbrella Insurance may kick in when you exceed the amount of liability coverage for the events that are already allowed under your regular auto insurance, home insurance, and other polices.

Umbrella Insurance may cover:

Liability over and above your current home, car, and boar insurance
Personal injury coverage (Libel, Slander, Defamation, Invasion of Privacy)
Defense coverage (Legal Fees and Court Costs)
Liabilities that happen outside the United States.

*Business losses, intentional acts, and damage to your own personal property are not covered by Umbrella Insurance.

Umbrella Insurance Coverage - Charleston SC

Who Needs Umbrella Insurance in South Carolina?

Umbrella insurance is ideal for homeowners, business owners, and anyone with significant assets to protect. If you own property, vehicles, or have savings that could be at risk in a major lawsuit, an umbrella policy provides an essential layer of defense.

In South Carolina, liability claims from auto accidents, slip-and-fall incidents, or property damage can quickly exceed standard policy limits. Without umbrella insurance, you could be personally responsible for paying the difference out of pocket, putting your home, savings, and future earnings at risk.

How Much Does Umbrella Insurance Cost?

One of the biggest advantages of umbrella insurance is its affordability. Most policies start at around $150 to $300 per year for $1 million in additional coverage. For the level of protection it provides, umbrella insurance is one of the most cost-effective policies available.

Bridge Insurance works with multiple carriers to help you find the best umbrella insurance rates in Charleston and throughout South Carolina. Our agents compare options to ensure you get maximum coverage at a competitive price.

Ready to add an extra layer of protection? Contact Bridge Insurance for a free quote, or call (843) 974-5150 today. You can also explore our excess liability insurance and home insurance options. For more information about liability coverage, visit the Insurance Information Institute.