INSURANCE FOR
BUSINESS STRATEGIES FOR
What Personal Umbrella Insurance Protects
A Personal Umbrella policy provides an extra layer of liability protection beyond your home, auto, or recreational policies. It helps protect your:
✓ Income & personal assets
✓ Savings and future earnings
✓ Home & investments
✓ Family financial security
✓ Protection against lawsuits
✓ High-limit liability exposures
When your underlying coverage reaches its limit, your Umbrella policy steps in with additional protection.
Personal Umbrella Insurance typically covers:
Excess Liability Protection
Adds $1–$10+ million in coverage above your home, auto, motorcycle, boat, and landlord policies.
Bodily Injury Liability
Protects you if you’re held responsible for injuries to others in a covered accident.
Property Damage Liability
Covers damage you cause to someone else’s property beyond standard policy limits.
Personal Injury
Provides coverage for slander, libel, defamation, or invasion of privacy claims.
Legal Defense Costs
Covers attorney fees and court expenses — even if a lawsuit is groundless.
Note: Umbrella policies offer broader protection than most personal policies and help fill critical liability gaps at an affordable cost.
Why Personal Umbrella Insurance Isn’t Optional
In today’s world, lawsuits are common — and costly. Without umbrella coverage, you may face:
Large judgments after accidents
Wage garnishment
Loss of savings, retirement funds, or assets
Legal expenses not covered elsewhere
Liability beyond auto/home policy limits
Common claim scenarios include:
Serious auto accidents with major injuries
Dog bite injuries
Accidents involving teen drivers
Rental property liability
Social media–related defamation claims
Injuries on your property
A single lawsuit can exceed standard liability limits. An Umbrella policy protects everything you’ve worked for.
How We Match You With the Right Policy
Every carrier evaluates risk differently. We guide you through:
Industry classification
Employee exposure
Risk factors
Operations and service areas
Contract requirements
Loss history
Coverage limits and endorsements
Then we shop multiple top-rated carriers to compare pricing and coverage options.
As CEPA-informed advisors, we also ensure your liability structure supports your broader business goals, cash flow, and long-term value.
Why Businesses Trust Wasatch Preferred
Fast Certificates
COIs delivered quickly so you never miss a job or delay operations.
Competitive Carrier Access
We represent top carriers across Utah, giving you more choice and stronger options.
Clear Guidance
We simplify the process so you understand your policy—and your protection.
Strategic Insight
Insurance isn’t just a requirement—it’s a financial safeguard. We help ensure your coverage aligns with your business performance and future goals.
Get a General Liability Quote
Whether you’ve had coverage for years or are getting your first policy, we make the
process simple and fast.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.
License information is available upon request and varies by state.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.