Umbrella Insurance Quote
Get a customized umbrella quote to protect against liability.
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Serving Your Needs
We represent multiple insurance companies.
Customized Coverage
We offer a wide variety of insurance solutions.
Personalized Service
We are by your side every step of the way.
Expertise You Can Trust
We are there for you in your time of need.
What Our Clients Say About Empire Insurance Brokers
The Empire team, as a whole, was extremely responsive and helpful working to ensure the end results were what I needed.
MCZ
Always timely responses, careful review to keep my rates at their lowest and very friendly in all my time with the team.
Kurt
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Umbrella Insurance 101
Learn more about umbrella insurance so you can make an informed decision on your coverage.
Property Damage Liability
Risk Factor
You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?
Solution
Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.
Bodily Injury Liability
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.
Lawsuits
Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Watercraft Liability
Risk Factor
Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.
Solution
Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.
Additional coverage for an extra layer of protection.
Umbrella insurance is specifically about liability, which is the cost you might have to pay to somebody else for an unfortunate event where you are held responsible. It doesn’t usually include losses you bear yourself, such as if your property is damaged or your possessions are stolen.
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About Empire Insurance Brokers
As local natives and residents of the area, we are familiar with the risks that confront individuals and businesses of our region on a daily basis. We help identify risks and ensure that you are appropriately covered. We care about the people and things that you value most, which is why we’re here to help. We go the extra mile to treat our clients as our neighbors—not just another a policy.
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19401 40th Ave W, Suite #270, Lynnwood, WA 98036 |
