Old Harbor Insurance Services

umbrella insurance

Does Umbrella Insurance Cover Uninsured Motorist Claims? An In-Depth Guide

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does umbrella insurance cover uninsured motorist

Does umbrella insurance cover uninsured motorist claims when the other driver leaves you with massive medical bills and no coverage? That’s one of the most misunderstood questions in personal insurance—and the answer isn’t as straightforward as most think. While traditional umbrella policies don’t automatically include uninsured or underinsured motorist (UM/UIM) coverage, some carriers offer endorsements … Read more

Does Umbrella Insurance Cover Workers’ Compensation? What You Need to Know

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does umbrella insurance cover workers comp

Does umbrella insurance cover workers comp claims? It’s a common question—and a confusing one. Many business owners assume their umbrella policy will step in when workers get injured on the job, but the truth is more nuanced. While umbrella insurance expands liability protection, it doesn’t replace mandatory workers’ compensation coverage. Still, there are scenarios where … Read more

Umbrella Insurance 101: Everything You Need to Know

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Why Do I Need Umbrella Insurance?

Why Do I Need Umbrella Insurance? Most people would be surprised if they did a close review of the coverage they have under their policies. Many would find their auto insurance limits inadequate to cover a helicopter or ambulance ride* for the person they’d injured. And that’s to say nothing of the ensuing medical bills … Read more