You may already carry a variety of liability insurance policies to protect your personal or business assets such as your home, autos, or commercial property. But in these litigious times, these policies may not provide enough coverage if you’re on the wrong end of a lawsuit.
That’s why you need a True Umbrella Insurance Policy from XINSURANCE. It enhances your existing insurance policies by filling in the “gaps” and covering items that are currently excluded.
Problem: There is a growing list of exclusions in your personal and commercial insurance.
Solution: True Umbrella from XINSURANCE!
Many prudent individuals with substantial business or personal assets choose to carry umbrella insurance protection to help them avoid a catastrophic financial loss. Also known as excess liability insurance, these plans go into effect upon the exhaustion of the limits of an underlying policy.
As an example, suppose you have an auto policy with liability limits of $500,000. If you cause an accident that ultimately leads to a lawsuit judgment of $750,000, you’d be on the hook for the extra $250,000 — unless you have a comprehensive umbrella policy that picks up where your base policy leaves off.
XINSURANCE is a trusted insurance partner that specializes in covering the most challenging risks. When other insurers say “no,” we say “yes.” If you’ve been canceled, non-renewed, or denied coverage by another provider, we’re willing and able to offer a solution. We can also fill the gaps in your current plan, such as adding coverage on top of your existing policies. You’ll receive true protection that mitigates your risk and safeguards your business and personal assets.
If you have standard insurance and are fed up with companies settling frivolous lawsuits – then XINSURANCE can provide coverage to enhance your existing coverage. Insurance companies are excluding coverages and reducing risk protection while XINSURANCE is expanding those options and providing proper coverage. While the market is shrinking, XINSURANCE is broadening the solutions they provide.
No matter what great insurance company you think you have, you need:
As with the underlying liability policies, an umbrella plan protects against claims of bodily injury and property damage sustained by third parties as a result of your negligence (or your employees’ negligence if you’re a business owner). It also helps to pay the costs of your legal defense if an injured party sues you.
XINSURANCE can provide solutions for an umbrella plan that covers scheduled activities/operations such as the auto accident scenario from the example listed above. Other available coverage options include:
Note: XINSURANCE does not offer umbrella coverage for a business’s workers’ compensation insurance plan.
XINSURANCE’s all-in-one approach to insurance means that you won’t have to look anywhere else for your liability coverage. Instead of buying several policies to cover different risks, we’re able to offer one plan that does it all. You’ll get true peace of mind from knowing that you’re doing everything you can to safeguard your valuable assets. We can even customize our plans to address your unique coverage requirements.
At XINSURANCE, no risk is too big or too small. While a $1 million umbrella insurance policy may be sufficient for many individuals, we’re able to provide coverage of up to $10 million ($20 million through our reinsurance partners).
Regardless of the size of the policy you purchase from us, you’ll receive exceptional service every step of the way. It starts with our fast, seamless quote process. Simply fill out and submit an online application for our underwriting team to review. We’ll then schedule a phone call with you to request additional detail about your specific risks and requirements. You’ll receive a quote and we’ll issue your new policy as quickly as possible after you pay the initial premium.
We provide superior customer service and offer same-day quotes and solutions, so call us today – or have your insurance agent call us. We’ll review your existing policy, identify your exclusions, and then write a XINSURANCE True Umbrella Policy that will cover you and ALL of your assets.
Listen to our latest radio commercial for the XINSURANCE Enhancement Policy!
FREE EBOOK
So just what is umbrella insurance coverage anyway? When it comes to liability insurance, ignorance is not bliss. Your existing policies may have inadequate limits, exclusions and gaping holes in coverage that are putting you at risk personally, professionally and financially.
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Don’t let yourself find out the hard way that you AREN’T!
