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At T.D. McNeil Insurance Services, we remind our customers in Folsom, CA that insurance is for surprises, as well as for covering the routine risks and responsibilities that life brings. That’s especially important for our business customers, who often have significant assets, either personal or as part of a legal entity like a corporation, that may be at risk in a liability situation.

Coverage for Surprise Liability Your Business Encounters

Umbrella insurance helps cover surprise liability situations for businesses as well as individuals, going beyond the basic limits of commercial or vehicle liability coverage. It also helps organize a response to surprise liability situations when you’re still dealing with the feeling that this situation shouldn’t be happening. Someone might have what seems like an unreasonable expectation of compensation for a situation or simply be trying to leverage that situation for gain.

Sometimes, they may be trying to shift the blame, to protect themselves, and to make it official to put you on the hook for damages. However, if you see a situation that caught you off guard, with umbrella insurance, you can recover from the shock and get started on handling it.

Making Wise Business Choices for Success

At T.D. McNeil Insurance Services, we stand behind our business clients with insurance that backs them up in Folsom, CA when they experience unexpected liability situations. These days, it’s hard to know when you’ll be on the spot, and it’s good to know you’re not alone when facing a problem you didn’t expect in your line of business.

Your umbrella insurance policy is an excellent way to respond to our uncertain world confidently and wisely. You’re saying, whatever comes my way, I’ll handle it and keep on track. Come and talk with us, and our insurance professionals can help.

Umbrella insurance from T.D. McNeil Insurance Services is a type of insurance policy that provides additional liability coverage beyond the limits of your existing policies. It’s designed to protect you from unexpected events here in the Folsom, CA area that could put you at risk for a lawsuit or costly judgment. 

Who needs umbrella insurance?

The answer is simple – anyone who has assets they want to protect should consider adding umbrella coverage. This includes homeowners, business owners, professionals, and anyone liable for a claim over $1 million dollars. Umbrella insurance can help you cover the costs associated with litigation, settlements, and legal fees in the event of an accident or injury caused by you or someone in your household.

Umbrella coverage also covers claims that may not be covered by your existing policies, such as libel, slander, or false arrest. So even if you don’t consider yourself “high-risk” when it comes to liability claims, adding umbrella insurance can provide much-needed protection for your assets and peace of mind in the event of an unfortunate incident.

Umbrella policies are usually purchased in increments of $1 million and can range anywhere from $100 to a few thousand dollars per year, depending on your risk profile. Before purchasing an umbrella policy, thoroughly review the coverage offered by your existing insurance policies and make sure all gaps in coverage are filled. 

Reach Out To Us

For more information on umbrella insurance, give us at T.D. McNeil Insurance Services a call today. We are proud to serve the Folsom, CA area and would be happy to help you find a policy that meets your needs and your budget. So don’t wait! Give us a call today.