What is Umbrella Insurance?

Umbrella Insurance protects you from liability issues that go beyond the liability limits of standard insurance policies, such as your homeowner’s insurance, car insurance, etc.  For dentists, having an umbrella policy to provide protection when you exceed the liability coverage limits on an insurance line is vitally important.  Because you never know what could cause someone to present you with a lawsuit.

What does Umbrella Insurance cover?

Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance line. Umbrella Insurance kicks in when these situations present themselves and/or you exceed the amount of liability coverage for the events that are already allowed under your regular insurance policies.

Examples of Why Dentists should purchase Umbrella Insurance?

What happens to you and your family's assets if you are sued for an incident that occurred at your home and the legal costs exceed the liability coverage limits of your homeowner's policy?  Or what if you are in a car accident and your liability costs exceed your car insurance limits?  An umbrella policy, which cantypically be purchased at a low cost, will cover you when situations like this occur.  

Contact Dentists Insure today at info@dentistsinsure.com or by phone at 888-336-3831 for more information on umbrella polices and to get a free quote.

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