Umbrella insurance is extra insurance that gives protection beyond the limits of the current policy.

The extra coverage provided by umbrella insurance is beneficial for individuals with higher net worth, people who have expensive assets, people who have many assets, or individuals with unique or special collections. Umbrella insurance can also protect small businesses against the monetary damages that might arise because of claims.

Umbrella insurance is not limited to other insurance policies and provides unlimited coverage beyond other claims not covered by the liability policies. It can cover you if you have been sued for:

• The label that is a defamatory statement in writing
• Slander is a defamatory statement that is spoken
• Malicious prosecution
• Detention, false arrest, imprisonment
• Mental or Shock pain

You may think I already have insurance; I do not need extra coverage. We want to make it clear that umbrella insurance is for situations that are not covered by other insurance types.

Call The Luna Agency to learn more about Umbrella insurance and how it can cover you.