California Umbrella Insurance — One Policy That Protects Everything You've Built.
Whether you're protecting your family's assets or your business from catastrophic claims, an umbrella policy steps in when your underlying coverage runs out. It's the smartest dollar-for-dollar coverage you can buy.
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Personal or Business — We've Got Both
Umbrella policies come in two forms. Our agents will help you determine which is right for your situation — or whether you need both.
Protecting Your Family & Personal Assets
A personal umbrella policy extends the liability limits on your auto, home, boat, and other personal policies. It shields your savings, home equity, and future wages from large judgments.
- Sits on top of your auto & homeowners policies
- Covers major auto accidents exceeding policy limits
- Protects against lawsuits from injuries on your property
- Covers libel, slander, and personal injury claims
- Typically $1M–$5M in additional coverage
- Starting from as little as ~$200/year
Protecting Your Business from Catastrophic Claims
A commercial umbrella policy extends the limits of your general liability, commercial auto, and employers liability policies — giving your business an extra layer of protection when a claim exceeds your base coverage.
- Extends your general liability & commercial auto limits
- Covers large bodily injury or property damage claims
- Protects business assets, revenue, and reputation
- Covers employee-related liability in certain cases
- Essential for contractors, fleets, and client-facing businesses
- Scalable limits for businesses of all sizes
An Extra Layer of Protection for Everything You've Built
An umbrella policy kicks in when your auto, home, or other liability limits are exhausted — shielding your assets from catastrophic claims and lawsuits.
Auto Accident Excess Liability
If you cause a serious accident with major injuries, your auto policy's liability limit may not be enough. Umbrella coverage pays the excess — protecting your savings, home, and wages from judgments.
Home Liability Overflow
Someone seriously injured on your property can sue for far more than your homeowners policy covers. Umbrella insurance bridges that gap and covers legal defense costs on top of damages.
Personal Injury Claims
Covers libel, slander, false arrest, malicious prosecution, and invasion of privacy claims — situations standard policies often exclude. Especially valuable in today's social media environment.
Worldwide Liability Coverage
Most umbrella policies extend liability protection globally — so you're covered whether an incident happens in California, across the country, or abroad.
Legal Defense Costs
Umbrella coverage often pays legal defense costs in addition to the policy limit — not out of it. Attorney fees alone in a major lawsuit can reach six figures before a verdict is even reached.
Who Needs an Umbrella Policy?
Anyone with assets worth protecting. If you own a home, have savings, or earn a steady income — a lawsuit could put it all at risk for as little as $200/year.
See How Affordable It Is Talk to an AgentHow We Find the Right Umbrella Policy for You
With over 40 years of collective experience, our agents take a proactive approach — assessing your full risk profile before recommending coverage.
Initial Consultation
We start by understanding your lifestyle, assets, and existing coverage to get a complete picture of your risk exposure.
Risk Assessment
We identify the specific threats to your financial security — from your vehicles and property to your profession and activities.
Gap Analysis
We review your current policies and pinpoint where your coverage limits could leave you exposed in a major claim.
Custom Options
We present tailored umbrella policy options — coverage limits, carriers, and pricing — matched to your specific situation.
Application & Placement
We handle the paperwork and placement, making the process simple. Most umbrella policies are issued quickly.
Ongoing Support
We review your coverage regularly as your life changes — new assets, vehicles, or life events that affect your risk profile.
Protecting California Families Since 1999 — 40+ Years of Combined Expertise.
Umbrella insurance is only as good as the agent who places it. Our team understands California's legal landscape and works with top-rated carriers to ensure your policy covers what matters most.
- 40+ years of collective experience with California-specific risks
- Bundle umbrella with your auto and home for maximum savings
- Proactive risk management — we educate, not just sell policies
- Experienced claims support when you need us most
- Two California locations — Citrus Heights and Fresno
Ready to See How Much You Could Save?
- Compare quotes from 20+ top-rated carriers instantly
- Local California agents — real people, real answers
- Average client saves $680/year after switching
- Coverage in place same day — no waiting
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