Check the underlying policies first
List the auto, home, or business policies that might support an umbrella quote. Carriers may require particular underlying limits or policy arrangements. Confirm the requirements and keep the underlying coverage in force as required.
Compare limits, exclusions, and scope
Review what policies are scheduled, which claims may be excluded, whether defense costs affect limits, and how the umbrella coordinates with underlying insurance. Personal and commercial umbrella products are not interchangeable.
Decide whether the added cost fits your risk plan
Compare available limits, premium, eligibility, and policy terms. An umbrella policy does not guarantee protection from every claim; the carrier and contract terms determine whether a loss is covered.
Prepared by Shield Assurance LLC. Arizona Property and Casualty License 3004255957.
Questions? Call 520.783.6332 or support@shield-assurance.com.