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Umbrella / Excess Liability Coverage

Johnson Insurance offers umbrella and excess liability insurance to provide increased insurance protection above and beyond your auto and home insurance liability limits. We know life is unpredictable and the additional coverage exists for those times when you need it most.

If you own a house and have a retirement account or other investments, an umbrella policy should be a part of your financial plan and a step towards protecting your wealth. Umbrella insurance is the best insurance value for your dollar in providing you with peace of mind and security.

$1 million to $10 million of liability coverage to protect your assets including your home, auto, income and other investments.
Personal injury coverage for claims including slander, defamation of character and invasion of privacy.
May provide coverage to pay for legal costs.

Umbrella Insurance & Excess Liability Coverage Protection Examples

Auto A young driver, driving a friend's uninsured vehicle hits a passerby resulting in a severe head injury.
Home An individual visiting your home slips on the sidewalk and files a claim.
Boat While entertaining guests with a boat ride, the driver of the boat accidently crashes into a wall injuring everyone on the boat.

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You can also call 24/7 Customer Support – 800.236.5546
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Resources

  • articlesSplit Point Experience Rating Formula Explained

    In the experience rating process, each loss is divided into a primary and excess portion. The first $16,500 of every loss is determined as a primary loss, with everything above that point considered an excess loss. In July 2011, the NCCI announced

  • articlesExperience Modification Factor Explained

    Your Experience Modification Factor can be explained as follows: The mod is a ratio of actual losses to expected losses over a 3 year period If your actual losses are more than expected, then your mod is over 1.0 If your actual losses are less

  • articlesWhy Move When You Can Improve?

    Finance Your Home Renovation with a Home Equity Line of Credit Perhaps your family has outgrown your home or you're dreaming of a spacious master suite or gleaming new kitchen. Maybe you need an in‐law suite to accommodate aging parents (or boomerang

  • articlesTime for an Insurance Review

    Insurance is one of those things you tend to get and forget—until you have to make a claim. And that's exactly the wrong time to find out your coverage is inadequate. In general, you should review your insurance coverage once a year, or whenever