Umbrella Insurance

As you navigate what’s next, we can work together to uncover answers so you’re more knowledgeable, confident and own a lasting solution that grows with you.

Umbrella Insurance

What our clients respect about us at Evans, Pires & Leonard is not only our commitment to serve them well with comprehensive insurance coverage at a competitive price, but also our attention to detail. You see, we do sweat the small stuff, especially when it comes to making sure you have enough coverage in the event of a catastrophic loss.

We believe strongly that a comprehensive business insurance program should include Umbrella / Excess Liability Insurance.

This coverage is designed to provide an extra layer of protection over and above standard Liability policies, which may not offer a sufficient amount of coverage in the event of a devastating loss – especially in today’s litigious environment where $1 million lawsuits are commonplace.

Our experienced professionals will review your assets, exposures, and the amount of risk your business can tolerate in order to secure a competitively priced Umbrella policy from the top-rated insurers we represent.

With Umbrella Insurance/Excess Liability coverage, you’re extending the coverage you presently have in the event your business is faced with a liability claim that exceeds the limits of your General Liability, Product Liability, or Commercial Auto policy. The Umbrella policy kicks in when your underlying limits are exhausted, providing protection from various types of liability, including personal injury, liquor law, contractual, and vehicle. For example, if you’re found liable for $2 million damages, but are only insured for $1 million for that type of liability, your Umbrella policy kicks in, covering any additional liability. With a $4 million Umbrella policy, your effective insurance against any covered type of liability becomes $5 million.

In addition to assessing the amount and type of coverage you need, our team will review your operational practices for ways to reduce sources of potential losses and other costs through our risk management services.

    Contact Us Today

    Fill out the form to ask a question or request a quote and it will be answered by one of our insurance experts.

    Weather liability storms with a commercial umbrella policy.

    With Evans, Pires & Leonard, you’re not a policy to us. We create a relationship with our customers through earned trust, integrity, experience, and knowledge. Give us a call at 860.289.6816 or email us, or if you prefer fill out and return the convenient form on this page. One of our professionals will contact you to discuss your insurance needs and our alternative solutions in helping to protect you. Since 1967, we have been serving the communities from Tolland to Glastonbury to Portland and Old Saybrook.