Above and Beyond Insurance Protection – Umbrella Insurance in California

A personal umbrella policy is the ultimate way to protect your assets and your future. In addition to your standard lines of coverage, a personal umbrella provides an extra level of protection.

A personal umbrella policy covers you when your auto, home or other personal lines insurance policy is exhausted. A personal umbrella policy is a great way to protect yourself from a lawsuit that not only can impact your current assets, but your future earnings as well. Unfortunately, everyone is a target for a lawsuit. The simple fact is that in today’s lawsuit-happy culture, the unfortunate scenario of being sued for damages that exhaust your other policy limits is a real possibility. Ask your agent today about a personal umbrella policy.

With nearly every state in the country practicing financial responsibility laws, this makes every driver financially responsible for bodily injury, property damage and potential loss of income claims that may come as a result of a motor vehicle accident.

Similarly, homeowners need to protect themselves from a liability claim. Whether you’re hosting a party and serve too much alcohol, have a slip and fall accident on your sidewalk or a dog bites a neighbor, you can be held liable for medical bills, rehabilitation programs and lost wages.

Be sure to ask your insurance agent if you:

Conduct business activities from your home
If you’re in the farming business
If you own other vehicles such as boats, motorcycles or RVs
If you own other vehicles, property or aircraft that may be covered on another insurance policy

There are many reasons to talk to your insurance agent about an umbrella insurance policy. If you have questions, please call.

Broader Coverage

An umbrella policy may also pay claims that are not typically covered by other personal policies. Talk to a qualified Karen & Michael Quigley Insurance Agency agent today about a personal umbrella policy today.

Looking for a Commercial Umbrella Insurance? We have those too!

“Karen, I cannot tell you how much we appreciate everything you do for us. Your assistance with Blue Shield was invaluable. You are a light at the end of the tunnel and a blessing in our lives.”

John L.
“Karen, thank you for helping us navigate the crazy insurance market during the last few months. We’re so glad we met you and you are handling all our insurance.”

Cheryl & Joe S.
“Thank you my dear friend Karen for being the best insurance broker in the West. You go way above and beyond. I found a medical policy that has excellent benefits at a competitive rate.”

Monique P.
“Thank you Karen! You are a world class agent for stepping up and assisting me with my claim. I appreciate your help more than you know and highly recommend your excellent service!”

Steve P.
“We have been a client of the Quigley Insurance Agency for over seven years. During this time, we have relied on Karen’s advice and expertise. She has guided us with our medical, long term care, auto, home, and earthquake insurance policies. Karen is always responsive to our concerns. We have recommended several of our friends to the Quigley Insurance Agency because we know they are in good hands.”

Carol & Ed P.
“I am extremely pleased with the excellent service of the Quigley Insurance Agency. So often one has to fight with an agent over an issue or concern. This agency is there to help in any way they can with the utmost professionalism. I am here to recommend them in any way possible.”

Louis L.
“We have been working with Michael for over five years. As our needs have changed, and insurance companies have changed their terms and premiums, he has worked with us to provide the coverage we need while keeping our costs in mind. We feel Michael has been professional, responsive, and proactive in finding us the best value for our insurance needs.”

Debbie & William H.
“I refer everyone to Karen and tell them she is the best insurance agent in the industry!”

Ray C.
“I have been working with Michael since 2008. He is incredibly knowledgeable, consultative, and proactive in helping our family business find the best coverage for the best price for our commercial properties. I highly recommend his services.”

Deborah L.
“I come from a family of insurance people and understand the value of being covered for the unknowns. When I moved to LA in 1996 a friend referred me to Karen. I have been with her since then and our lives and business have grown with her and Michael’s support and knowledge. We have both personal and business insurance with her agency. If I have an issue, Karen and Michael always have an answer, options and solutions. There is a sense of security knowing they are taking care of us.”

Jeanne L