At the Byrnes Agency, we specialize in insuring high net worth clients whose assets are significant enough to require an extra layer of protection in the event of a loss or accident. Even with a special Homeowners program, an Auto policy, Boat policy, and other personal insurance, the liability amounts on these policies still may not be adequate should you be found legally responsible for an accident or injury. A substantial judgment could diminish your portfolio of assets without a policy that supplements your basic policies with higher limits.

That policy is High Limit Umbrella insurance. Most traditional Umbrella policies typically provide limits of between $1-$5 million over and above the basic Homeowners and Auto policies. Some may even offer $10 million limits. With a High Limit Umbrella policy, you can obtain limits of up to $100 million.

How much coverage do you need? We will review this with you. But typically, determining the amount of High Limit Umbrella Liability coverage you need is based on the value of your assets plus a buffer to prevent future wage loss.

Safeguard your exposed assets.

Call us for a review of your situation, and we’ll help you determine how much Umbrella coverage makes sense for you.