Excess 'Umbrella' Liability Insurance

Get added protection to safeguard your success.

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Invaluable Protection

Is your financial security at risk? You do not have to a millionaire to be sued like one. A personal excess umbrella insurance policy provides you with liability coverage for damages for which you or members of your household may be legally responsible

Wondering whether umbrella insurance is something you need?

If you frequently entertain guests in your home, on your property, or even for extended stays at your beach or ski getaway, you’re not only being very generous but also increasing the likelihood that you could be sued. For example, swimming pools are wonderful amenities but also come with many risks. From someone falling and breaking a bone on a slippery deck to a guest getting a severe spinal injury when a dive goes terribly wrong, to a child drowning as a result of lack of supervision, there are many unthinkable hazards that you could potentially face. At Meeker Sharkey & Hurley, we are committed to working with you to identify, assess, and address your personal liability risks. Having an umbrella liability insurance policy is one way to ensure an extra layer of protection for not only the income, assets, and investments you have today, but also for those you may secure in the future.

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Insurance Translated: Get the Answers to Your Top Questions

What is a separate wind deductible? Do I have service line coverage? How does an uninsured and underinsured motorist coverage protect me? Our insurance experts can help educate you on the intricacies of insurance so that you have can manage your potential risks through leading insurance carriers.

Our Personal Insurance Team:

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Kathy Sheridan

AVP, Personal Lines Account Executive

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Harison Rogers

Account Executive

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Samantha Tak

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How We Help

Primary & Vacation Home Insurance

No matter where you call home, we have you covered. MS&H understands homes of all types and ages, including condominiums, cooperatives, apartments, town homes and custom built residences. We also know that your home is an emotional as well as a financial investment. We offer policies that can help you rebuild your home with the same quality and character should the unforeseen happen.

Rental Property Insurance

As a tenant or renter, you need to be sure that your personal belongings and your family’s liability exposures are adequately insured. Having an inventory list of your assets and their replacement value is the best way to effectively establish the amount of insurance you need. We’ll happily work with you to make sure you have the personal property and liability insurance necessary to protect you and your belongings.

Auto & Collector Vehicle Insurance

There are many components to consider when selecting the right coverage for your automobile insurance, including personal liability, personal injury protection, bodily injury, property damage, collision, comprehensive, towing and rental reimbursement. You can also choose to retain the right to sue for pain and suffering, or limit your right to sue. We can help you figure it all out.

Yacht & Boat Insurance

Be sure that you have the right watercraft insurance for your boat or yacht. Whether you are a recreational boater or have a captain and crew for your yacht, watercraft insurance helps protect against physical loss of the vessel and liability suits. We can assist you in navigating through policies to find the protection that meet your needs.

Travel Insurance

With the right travel insurance policy, you’ll get valuable coverage that travels with you and your family. This can include trip cancellation or delay coverage, baggage coverage, medical evacuation or repatriation and medical expenses.

Excess “Umbrella” Liability Insurance

Is your financial security at risk? You do not have to a millionaire to be sued like one. A personal excess policy provides you with liability coverage for damages for which you or members of your household may be legally responsible.

Valuable Articles / Collections Insurance

Most homeowners’ policies provide minimal coverage for valuables and collections and are subject to your policy deductible and coverage exclusions. Purchasing a Valuables policy provides coverage with no deductible and worldwide coverage.

Featured Resource

How will you cover your share of liability above your coverage limits?

If there were a vehicle accident for which you were at fault, and a family breadwinner for whom you are liable were disabled or killed, would your auto liability policy offer enough coverage to pay for a lifetime of lost wages due to an accident you may have caused? 

We Know Insurance So You Don’t Have To

At Meeker Sharkey & Hurley, we don’t sell you insurance. We help you buy insurance from leading providers. Book a discovery call today to get started.