Umbrella Insurance

Indiana residents should seek umbrella insurance to accompany their standard insurance plans. An umbrella policy can benefit you in many ways and provide extra coverage to those who end up in incidents that go well beyond their standard insurance limits.

Umbrella insurance, also known as excess liability coverage, helps by covering all liability issues that go beyond standard liability limits and prevents you from having to pay for excess costs out of pocket. This can include medical incidents, business accidents, lawsuits, libel, slander, and more. Work with one of our agents at J.M. Thompson Insurance to help determine how an umbrella policy can benefit your lifestyle.

Umbrella insurance also covers other issues such as:

• Malicious prosecution
• Mental and emotional trauma
• Anguish and shock
• False arrest or detention

Umbrella insurance is not a self-sustaining coverage. It acts as a backup for home, auto, boat, flood, medical, and other various standard insurance policies. You must have a policy in place before seeking umbrella insurance.

It is, therefore, essential to know that you cannot get umbrella insurance if you do not have the other basic insurance policies. In such cases, your basic policy will have to be used first, and if rendered inadequate to cover all expenses or damages, umbrella insurance will be used.

Looking for a reliable insurance company in Indiana? J.M. Thompson Insurance is the company you are looking for. Visit our offices or give us a call for more information, queries, or to discuss a new policy.