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Protecting Your Assets with High-Value Umbrella Insurance from GMG Insurance Laguna

Multi-million-dollar lawsuits are not so uncommon these days. And, unfortunately, those with greater assets face greater risks of loss from liability claims. Even when allegations are groundless, legal bills can be significant.

GMG Insurance Laguna serves high-net-worth clients throughout Orange County and can provide liability protection that goes beyond what’s covered by homeowners insurance or your other insurance policies.

Extra Protection that Goes A Long Way

While homeowners insurance provides liability coverage, as do auto insurance, yacht insurance and other policies, they may not be enough to completely cover a serious accident. If death or permanent injury occur or there is a total loss of an high-end vehicle or other very expensive item, the limits of your underlying coverage could be exhausted, leaving the excess legal or settlement costs to be paid out of pocket.

A high-value personal umbrella or excess liability insurance policy can provide millions of dollars of coverage. It extends the limits of the protection provided by your primary insurance policies (auto, home, renters, boat, etc.). In some cases, it can even provide coverage for events that are excluded by your other insurance.

Target for Lawsuits

Keep in mind that your assets could be at risk because of the actions or family members and domestic staff. A high-value umbrella policy can be written to insure you against the costs associated with claims involving your household members, even pets.

Excess liability insurance provides seamless protection beyond your primary liability limits.

Turn to GMG Insurance Laguna for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us (949) 715-7981 or email at pfreeman@gmgins.com.