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Umbrella Liability Insurance

An umbrella liability insurance policy is generally pure liability coverage over and above the coverage afforded on a home owners, auto or commercial general liability insurance policy. The word umbrella describes how the policy works in that the policy covers a wide array of liability risks. The coverage is generally for a larger limit and is broader than the other liability policies previously mentioned.

In general, an umbrella policy will cover claims that not be covered elsewhere like:

  • Libel and Slander
  • False Arrest
  • Defamation of Character
  • Coverage for volunteer activity
  • Invasion of Privacy
  • An accident with an uninsured motorist
  • Coverage is extended to other properties
  • Coverage extends worldwide

These policies are not expensive at all with premiums of only $200-300 per year.

Looking for umbrella insurance? If you are from St Catharines or in the Niagara Region you can click here to contact me about Umbrella Liability Insurance . I’ll be glad to help.



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Note: Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. The Canada Insurance Source website is a free information source provided by an insurance broker from the Niagara Region in Ontario. So use this site to gain a general understanding of insurance with your own area and situation in mind. Even residents of Ontario should keep in mind that this insurance information is general in nature and the policy wordings always take precedence. Make sure you review the "please read" page.

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