An umbrella policy provides protection above the limits available in your traditional policies – think of it as insurance on top of your insurance. It can protect you in the event of an excessive lawsuit or large claims where your primary insurance may fall short.

Personal Umbrella Policy

Your personal umbrella insurance policy comes into play when the policy limits of your home, auto or other personal insurance policies have been reached. This policy helps cover additional costs above your standard policy limits so you are not personally exposed to pay out of pocket, or worse yet, make your personal assets vulnerable, in an expensive claim.

Here is an example when you would find an umbrella policy to be an important safeguard. Let’s say you are in an auto accident of which you are at fault and the cost of injuries you caused is $400,000. If your auto insurance bodily injury limit is $100,000, your traditional auto insurance company will cover that amount leaving an additional $300,000 unpaid and your personal responsibility. This is where your umbrella policy kicks in to protect you from having to pay that costly gap.

For more info be sure to watch this brief video on personal umbrella insurance.

Wondering just how vulnerable you are and how much additional coverage you need? Fill out this quick and easy form to get you started and then talk with a Brooks, Todd & McNeil agent about getting the coverage that keeps you protected.

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Annual Golf Tournament Raises $34,600 for Local Charities

(Litchfield, CT) – On September 11, 2017 Brooks, Todd & McNeil, Litchfield Bancorp and Northwest Community Bank jointly sponsored the 17th Annual BLN Charity Golf Tournament to benefit four local charities in Litchfield County. A total of $34,600 was raised for The Susan B. Anthony Project, FISH/Friends in Service to Humanity of NWCT, The Open […]

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