Willard D. Martin Insurance Agency

122 Washington Street
Marblehead, MA 01945
Phone: (781) 631-5050
Fax: (781) 631-3993

Home Owners insurance, Auto Insurance, Boat Insurance

Personal Insurance Policies

Auto Insurance

Renter's, Tenant's, & Homeowner's

Boat Insurance

Motorcycle Insurance

Personal Property

Personal Umbrella

Commercial Insurance Policies

Business Owners Policy

Building Coverage

General Liability

Professional Liability

Business Content

Commercial Auto

Directors & Officers

Worker's Compensation

Commercial Umbrella


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Personal Umbrella Insurance

Why Do I Need a Personal Umbrella Policy?

A Personal umbrella could protect you against excess liability judgments for loss, injury or even death caused by negligent acts.  It is designed to provide liability protection over and above the insurance policies you currently have.
In Today's society, lawsuits are occurring with alarming frequency.   Moreover, the monetary awards can be staggering.    Your current insurance will protect you against a minor misfortune - but it probably would not give you the needed protection against a catastrophic loss.

Besides providing increased liability limits, a typical personal umbrella gives you additional benefits:


You may be protected against claims that are not covered by your underlying policies for homeowners, auto liability and watercraft liability.


You are covered for defense costs and attorneys' fees associated with claims against you that were covered by your personal umbrella, but not by your primary policies.




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