How Complete Is Your Coverage?
Insurance is an essential protective measure, but policies can be far from comprehensive in their coverage.
XINSURANCE will schedule professional, recreational, and home exposures that put you at risk due to the fine line of exclusions in most policies. There are liability risks that occur with animals, firearms, assault & battery, mobile or motorized equipment, diving boards, trampolines, and many other gaps in coverage that lead to incidents, claims, and litigation! XINSURANCE is the smart solution.
Some claims don’t fall within the limitations of a policy, exceed the maximum policy limit, or are considered an exclusion – What happens then?
What happens when a claim isn’t covered by your policy?
When a claim isn’t covered by a policy, or exceeds policy limits, you are liable to pay for any uncovered costs from your own pocket.
Some liability claims can exceed policy limits and run into the hundreds of thousands of dollars.
The “Tru Umbrella” Difference
Standard Umbrella Policy
A Standard Umbrella policy is useful for extending coverage limits to address some extraneous circumstances. But even though Umbrella policies are a useful addition to standard policies, they can still fail to address key areas where you need coverage …
Get a QuoteWhy Tru Umbrella?
Enhanced
Enhancing Your Coverage
Tru Umbrella is designed to address weaknesses in your primary coverage. Custom-made to fit your unique needs, it can provide protection that other policies can’t or won’t cover.
Flexible
Flexible Coverage Built For You
Standard policies often won’t cover the unique areas that matter the most to you. A Tru Umbrella policy is custom-built to address your specific needs.
Consolidated
More Coverage In One Place…
XINSURANCE’s “all-in-one” approach allows you to cover more of your needs in one policy, and manage more of your coverage in one place.
Why True Umbrella:
Eliminate gaps in your coverage with a policy that’s built to your needs
Adding additional coverage can go a long way
Are you aware of the gaps and exclusions in your policy?
It can be simple to assume your current policy covers what you need it to, but there may be gaps and limitations that you aren’t aware of.
These exceptions are often not apparent until *after* a policy fails to cover a claim.
Possible dangers of insufficient coverage:
- Having to cover a claim out of your own pocket
- Needing to liquidate assets to cover a claim
- Handling legal attacks or conflict mediation alone
- Loss of valuable assets without reimbursement or replacement
Potential benefits of enhanced coverage:
- Protection of unique and valuable assets
- Partnership and support when resolving conflict
- Legal support to challenging frivolous charges
- Tru peace of mind from knowing that you’re doing everything you can to safeguard your valuable assets
Are you as protected as you think you are?
Learn about the two crucial layers of protection you get with an umbrella policy that TRULY safeguard your personal and business assets even in today’s litigious society, and Separate fact from fiction so you can uncover the MOST important fact of all – Are you as protected as you THINK you are?
Don’t let yourself find out the hard way that you AREN’T!
Talk to one of our skilled underwriters and identify coverage gaps that may require unique coverage
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service