Umbrella Insurance & Underlying Liability Limits

Ultimately at the end of the day, we want you to be protected by insurance, in the form of Umbrella Insurance. We want to make sure everything you’ve worked so hard for over the years, is protected in the event something happens, like a lawsuit.

So let’s talk about that for just a minute because in this segment, I want to share with you what happens if there’s a large liability situation that may turn into a claim against you and your entity or entities and might threaten your assets in any way. That’s why people have Umbrella coverage to protect everything they work so hard for. However, for that claim to be paid, you must make sure that you have proper underlying limits of liability on the policies that are underneath the Umbrella.

If you don’t have proper underlying limits on your underlying policies beneath your Umbrella, the Umbrella will not pay, there will not be any coverage. We don’t want that for you ever, that’s why it’s also super important, when you’re thinking about adding an Umbrella policy, make sure that you put the auto insurance, the home insurance, the rental property insurance, the boat insurance, the RV insurance. If you have all those things, all with the same local independent insurance agent and then put the Umbrella on top of it with the same agent, you’ve got to have somebody there to manage, to lead, to consistently inspect and re-inspect with you as part of proper management for your entire insurance program.

If a claim does arise, regarding anything concerning liability attached to your estate or your business operations, we want to make sure that you’re properly covered, so your underlying limits are critical.

Now here’s the other thing that I want to let you know about. God forbid something happens and you received that lawsuit. Whatever you do, do not talk to anybody except your trusted agent and a representative from the insurance company, nobody else. And don’t let anybody know that you have an Umbrella, because that’s just more for them to attach and go after, you only share that with your loved one, your spouse or significant other, or your trusted people. That’s it, right?

We hope this helps you, if you ever have any questions about any facet of your Umbrella Protection Program, please let us know, we’re here to help.

Keep Reading Here:


Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 951-600-5751
Text: 951-482-8144

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:
“We are extremely pleased with the prompt service we receive. I can call anytime, never placed on hold or had to wait for a return phone call. We are an older couple and at times do not understand the ins and out of really good coverage, so with [the team’s] help we feel comfortable with our home, cars and umbrella policies, I feel protected & safe!”
Phil & Mary Jean Marsh – Client since 2005

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Business Umbrella Insurance for a Rainy Day

What does commercial insurance need a business umbrella for? You might be thinking like this and we get this question a lot. Well, I’ve got a corporation. My veil is protected. Nobody’s ever gonna be able to pierce, the corporate veil. Sure about that? We hope not. And any corporate documents, any LLC documents, any written legal documents, are only as good as the person that wrote them, and the maintenance there of them.

At the end of the day, what I want you to think about when you’re thinking about protecting your empire, is the entity. Because insurance follows the entity first.

You’ve got to look at the underlying limit requirements, of the contract, and you need to evaluate your business auto; your workers’ comp; your general liability; and any other operations that you’ve got, to make sure they’re all protected under the umbrella. That underlying limit schedule, which is part of the policy, is a key component, to make sure that your umbrella coverage, responds and steps up. If that claim ever does happen, we want to make sure that protection is there, for you.


Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 951-600-5751
Text: 951-482-8144

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“I have dealt with Stromsoe Ins for 13 years.  They have been outstanding in customer service and finding me the best policies for my needs.  I regret having to say good-bye as I say hello to retirement.”
Robert Siever – Gasket Pro – Costa Mesa, CA – Client Since 2014

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

The Importance of Personal Umbrella Insurance

Even if you have excellent auto insurance, you aren’t covered for everything. Many liability settlements are for $1 million or more. Most policies do not provide this limit of protection, but that’s where a personal umbrella policy kicks in.

If you drive often, have a great deal of assets, or have young drivers in the house, a usual policy can only take you so far. The same goes for your home! Pools, trampolines and dogs can all lead to incidents where a normal policy will only take you so far. However, an Umbrella Policy can provide you with extra liability coverage to protect against expensive and freak accidents. So what are some of the scenarios in which you should have an umbrella policy?

Why We Personally Recommend a Personal Umbrella Insurance Policy

Frequently Entertain in Your Home

No matter how cautious you try to be, injuries still happen — and if you regularly host others in your home, the risk of incident grows. For example, lets imagine that you decide to host a holiday party in your backyard.  Your coworker’s husband has a few too many drinks and as he is leaving your property for the night, he slips on your front step and hits his head. You could be responsible for their medical bills, lost wages and pain and suffering if they decide to sue you. Even if you have done everything right, you could end up paying a great deal for a lawyer to defend you in court. Where your homeowners policy stops, your umbrella policy would kick in.

A Pet

It is estimated that upwards of 2 million bites happen every year, from dogs alone! The most likely place for these attacks to happen is in the home, raising your risk if you have a pet. The average cost per dog bite claim has increased over the years, making umbrella insurance a worthwhile investment if you have a pet at home.

A Swimming Pool on Your Property

You can be held accountable for any medical expenses a guest sustains due to an injury at your pool. This is in addition to the attorney’s fees that you accrue to defend if they sue for damages. Your umbrella coverage will increase your risk protection beyond the boundaries of your homeowners’ policies in this situation.


A Teen Driver at Home

Your teen has an increased risk of incident on the road while they are gaining confidence in their driving abilities. According to the CDC, six teens aged 16-19 died every day due to motor vehicle crashes, and hundreds more were injured in 2017 which means their risk of an incident is higher than that of an adult. Protect yourself and your family against this increased financial risk by having an umbrella insurance policy in place.

A High Net Worth

You have put a great deal of work into to building your assets. Income, home, real estate investments, retirement accounts and savings. Once someone else experiences a simple accident or mistake that causes harm, it could all be at risk. Having an Umbrella Policy in place can protect you and your assets from these types of incidents.

How Stromsoe Insurance Agency Can Help

You don’t have to be a millionaire to get taken to court and sued like one. Umbrella Insurance is an absolutely crucial part of any solid insurance package, whether you are an individual or business owner. Contact one of our friendly, helpful agents to help you learn more about your various coverage options, decide what is best for you and your family and receive your complete coverage review, as well as your free California umbrella insurance quote today!


Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877.994.6787
Text: 951-482-8144

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:
“We are extremely pleased with the prompt service we receive. I can call anytime, never placed on hold or had to wait for a return phone call. We are an older couple and at times do not understand the ins and out of really good coverage, so with [the team’s] help we feel comfortable with our home, cars and umbrella policies, I feel protected & safe!”
Phil & Mary Jean Marsh – Client since 2005

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Should I Secure Commercial Umbrella Coverage?

Find out what commercial umbrella insurance can do for you.

Liability claims are among the most serious and costly that a business can face.  This is why it’s incredibly important for business owners to secure the right commercial liability policies.  Unfortunately, even if you have all the standard commercial liability coverages in place, this still may not be enough to keep your company safe.  All forms of insurance are subject to certain limits, and commercial liability policies are no exception.  Fortunately, business owners have to ability to address the dangerous coverage gaps in their existing policies by securing commercial umbrella insurance.  Here’s what umbrella insurance can do for your business.

  • What Is Commercial Umbrella Insurance?

Commercial umbrella insurance provides excess liability coverage for businesses.  When your business faces an extensive liability claim that your standard liability policy cannot cover, then your umbrella policy will kick in and offer the coverage that your business needs.  To see commercial umbrella insurance at work, imagine that a customer injures themselves while on your business’s property.  Chances are that this will turn into a major liability issue for your business.  If the cost of the claim exceeds the coverage limits on your standard liability policy, then your umbrella policy will step in.  Your umbrella insurance will cover the remaining cost of the claim and ensure that your business’s assets are not compromised.

  • Does My Business Really Need This Coverage?

While commercial umbrella insurance isn’t a mandatory coverage, many business owners see it as an essential type of policy to have.  This is because investing in a commercial umbrella policy is the best way to fill your business’s liability coverage gaps and get your business the comprehensive insurance protections that it needs to stay safe.

This is what business owners should know about commercial umbrella insurance.  Do you have further questions regarding your business’s insurance needs?  If so, then contact us at Stromsoe Insurance Agency in Murrieta, California.  We are ready to assist you with all your commercial coverage needs today.

Why We Personally Recommend a Personal Umbrella Insurance Policy

Here’s a closer look at what umbrella insurance can do for you.

You’ve worked your whole life and have done quite well for yourself. You have a home, a car, support a family, and maybe even have a boat or a vacation property. But your security is something you shouldn’t take for granted. All of these things could be at risk under the unfortunate situation that you get into a lawsuit.

Hope for the best, plan for the worst.

Car accidents are an upsetting reality. They do happen and there can be major damages. If you cause an auto accident, you need to be covered. Your auto policy could possibly not cover all of the property damage, injuries, and subsequent lawsuits. An umbrella policy will cover you for these things once you max out the limits of your auto policy.

Lawsuits happen.

Someone may have an accident on your property or sue you for the injury. It’s not at all uncommon when someone trips on a loose step or slips by the pool. When you hit the liability limits of your homeowners insurance, an umbrella policy gives you extra coverage for just this sort of event.

How does it work?

Many people don’t know how an umbrella policy actually works. Well, it’s simple. Something happens. An auto accident, you are sued, etc. Your umbrella policy is protection that kicks in after your home or car insurance when the amount you must pay exceeds what your policy covers. It can cover a wide variety of liability situations. The typical policy covers anywhere from an $1 million to $10 million. Umbrella coverage is also very affordable!

Don’t take it for granted.

Be sure and take a look at your umbrella policy from time to time to see to what extent and under what circumstances you are covered. It may surprise you. It’s better to be surprised now so you can update your policy than when it’s too late.

For all of your umbrella insurance needs throughout California, contact Stromsoe Insurance Agency.

Benefits of a Commercial Umbrella Insurance Policy

All California companies can benefit from a commercial umbrella insurance policy.

With the number of lawsuits filed each day rising, it has never been more important to invest in a commercial umbrella insurance policy. People are more apt to sue a company or professional than ever before. The protection that is provided by a commercial umbrella insurance policy can help to make sure that your business has the right amount of coverage.

Umbrella insurance is meant to provide additional liability coverage that goes beyond the liability that is provided by your other business insurance policies. Without an umbrella policy, you would be left relying on a typical business liability policy. The limits of a liability policy can quickly be exhausted after just one lawsuit. If you don’t have umbrella insurance, you would be left paying for the rest of the coverage out of your business accounts, which could easily bankrupt your company.

There are many situations that your California company may encounter that your umbrella policy would cover, including:

  • If one of your employees says something on social media that is damaging to a corporate entity or person while at work.
  • A client takes a financial loss due to advice that one of your staff members provides in a consulting capacity, such as financial advice.
  • A customer slips on a wet walkway on their way into your business and is injured.
  • A client is seriously injured or dies after using a product that your company provides.
  • An employee speeds through a yellow light in a company car, causing property damage and several injuries.

Since there is no way to know when an accident will occur, having the right amount of coverage at all times can help to give you the peace of mind that you deserve. Contact the insurance experts at Stromsoe Insurance to help you find the right business insurance policies that will fit your needs.

Cover Yourself With An Umbrella

In today’s “litigation culture,” with million-dollar legal settlements all too common, anyone – including you and your family – could easily face ruin from a lawsuit, whether serious or frivolous. Even if you won, you’d be out thousands of dollars in defense costs.

A Personal Liability Umbrella can help ensure financial peace of mind by providing coverage up to an amount you’ve selected over and above the Liability limits under your Auto or Homeowners policy. Insurance companies often set minimum limits for Umbrella coverage. If you’re sued, the bulk of the settlement will come from your HO or Auto policy, with the Umbrella picking up the rest. Bear in mind that many insurers will only offer this coverage if they write both your HO and Auto insurance.

An Umbrella policy also extends coverage for you (and your family and pets) beyond basic bodily injury and property damage to personal injury, property damage, or bodily injury from a variety of exposures ranging from false arrest and defamation to invasion of privacy and wrongful entry. For example, Umbrella coverage would make sense if you own a dog that might snap or bite, or have one or more “attractive nuisances” (such as a hot tub, swimming pool, or swing set), and like to invite guests on a regular basis.

Depending on your situation, you might consider alternatives to an Umbrella policy, such as increasing Liability limits or raising your deductible under your HO or Auto policies. Also remember that Umbrella coverages vary from state to state. For example, many policies won’t cover claims for punitive damages, intentional acts, or activities related to business.

To make the best choice and make sure that you understand Umbrella coverage and any loopholes and exclusions, be sure to check with our insurance professionals.

We hope this helps keep you safe. If you ever have any questions, please contact the Total Protection Team at 877-994-6787 or visit, we are happy to help. Have a great day!