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  • Personal Insurance

    InsureMart Inc provides insurance for all your personal needs including Auto Insurance, Home Insurance, Motorcycle Insurance, Dwelling Fire Insurance, Condo Insurance, Vacant Property Insurance, Tenant Insurance, Umbrella Insurance, RV Insurance, ATV Insurance, and Watercraft Insurance. Independent agency like InsureMart Inc represents multiple carriers so we can shop for you to get the best possible rate!

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  • Trucking Insurance

    Obtaining the right Trucking Insurance for your operation is a serious business, so leave it to us. We specialize in complete insurance coverage and packaged solutions for your Trucking Company’s needs, including: Long Haul Trucking Insurance, Non trucking Liability, Bobtail Insurance, Cargo Insurance, Dead Head Insurance, Occupational Accident Insurance, Workers Compensation, and much more

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  • Business Insurance

    Running a small business involves a significant investment. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Get personalized Business insurance policy with InsureMart Inc.

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  • Surety Bonds

    InsureMart Inc. offers quick and easy bonding services. We can get approvals on 99% of applicants regardless of bad credit or other financial problems. All you have to do is complete a quote request form and one of our agents will shop your application around with our exclusive underwriting markets.

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  • Professional Liability

    Professional Liability Insurance, also called Errors and Omissions Insurance (E & O insurance), protects your business if you are sued for negligently performing your services, even if you haven't made a mistake. Complete a quote request form and one of our agents will shop your application around with our exclusive underwriting markets.

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Personal Umbrella Insurance

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Umbrella Insurance Policies Provide Extra Protection

Your primary insurance coverage, like your homeowners and auto policies, includes liability coverage up to a certain limit. Liability is your legal responsibility to pay for damage to a person or to a person’s property. An umbrella policy increases your liability coverage substantially—more types of claims are covered and at a higher limit.

To get all the information you need about umbrella liability insurance, contact and agent at InsureMart Inc.

Who Can Benefit from Umbrella Insurance?

  • Anyone with assets to protect
  • Everyone who drives a vehicle, including a car, motorcycle, boat or ATV
  • Everyone who owns or rents a home

The primary reason for carrying umbrella insurance is that you never know what you may be responsible for. Accidents happen, and when they do, you may be held legally responsible for resulting bodily injury and property damage as well as legal fees, all of which can quickly escalate to hundreds of thousands of dollars.

If you cause an accident, the legal system makes a judgment that, between you and the injured person, you should be the one to shoulder the financial repercussions. The person who suffered damage is then entitled to collect what is owed by claiming insurance proceeds. If the money provided by the insurance company is inadequate, a claim may be made on your income, assets and savings.

Adequate liability insurance protects you from these financial consequences. Pain and suffering, lost wages, medical bills and property damage are some of the items you may be sued for that are covered by umbrella liability insurance.

What Does Umbrella Insurance Cover?

A personal umbrella insurance policy provides additional protection by increasing coverage for liability in two ways:

  • Increases the dollar limit of liability coverage for primary policies

    Example: Assume the coverage limit on the liability portion of your auto insurance totals $300,000. If you purchase an umbrella policy of $1 million, and you cause an accident that exceeds your the $300,000 limit on your auto policy, your umbrella insurance can cover the remainder, up to $1 million dollars (a total of $1.3 million total liability coverage, in this case)

  • Covers claims excluded by primary policies

    Example: Typical liability policies may not cover damage claims resulting from false arrest, libel, slander, or defamation of character. If you are held liable for damages caused by these types of claims, the umbrella policy can help you cover costs.

The $300,000 liability limit in the prior examples may seem like a lot of coverage in the abstract, but can easily be exceeded in serious accidents.

How Much Umbrella Insurance Do You Need?

The right amount of liability insurance for any individual, family or business depends upon a number of factors. These include the risks you face and the assets you want to protect. For example, if you have a passion for speed boating, you have an increased risk over someone who only takes a dinghy out on the occasional fishing excursion. And if you have a high income, you are more likely to be sued in the event that you are at fault for injury to others.

Some professionals recommend that you add up all of your assets and then double that figure to determine the amount of liability coverage needed. Others look to the costs of medical payments and legal fees, which can vary considerably by region.

To figure out the right amount of liability insurance for you, talk to a knowledgeable agent at InsureMart Inc.

Do You Need More Liability Coverage?

You may want to give special consideration to an investment in umbrella insurance in the following circumstances:

  • You are at greater risk for liability if you own a pool or trampoline or ride a powerful motorcycle. Statistics indicate that these activities and others are more likely to lead to expensive liability claims.
  • If you have assets at risk, including retirement savings, business income, college funds, and other assets with total values that exceed the liability maximum on your home or auto policy.
  • One of the best reasons to own an umbrella policy is the attractive price for peace of mind. The premium you pay for the maximum claim payout tends to be low. In other words, relative to the protection afforded, umbrella insurance can be a great deal.

Call us at 1866-806-9777 to Get a Free Quote

*Coverages may vary by state and by insured business. Consult your InsureMart Inc. agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy.


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Insuremart Inc Main Office Location, Phone numbers
2655 S RAINBOW BLVD #310
Las Vegas NV 89146
Phone: 702-795-1777
Toll-free: 1866-806-9777
Fax: 702-386-8777
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