We'll Shop Insurance For You
With so many insurance companies out there it’s difficult to know where to turn. We shop multiple companies for you and find what fits you best.
We’ll make sure to check possible discounts and ensure your saving money where you can.
There where when you need us. Filling a claim or answering a question related to your policy is only a phone call away.
We take the time to find out your unique needs and only recommend what makes sense for you. Making sure you have the esential coverages you need in case of an accident sets us apart from the rest.
Heritage agents will shop multiple companies for coverage based on your information and provide you with the best option. Our goal is to save you time and money.
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About Commercial Umbrella/Excess Liability Insurance
These are some factors (not all) that Heritage Insurance Agents will assess in determining which of our companies fits your risk management needs. We will then shop the price to ensure the best fit within those companies.
Umbrella Insurance Defined
Umbrella insurance is extra liability insurance above the limits of your homeowners, auto, and other insurance policies.
It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. If your liability coverage is not enough to cover the damages of an accident you cause or an incident on your property, a personal umbrella insurance policy kicks in right where your other liability underlying limits have been reached. The policy can provide coverage for:
- Damage to property
- Certain lawsuits
- Liability Situations
- Bodily Injury Liability
- Property Damage Liability
- Owner of Rental Units
- False Arrest
- Mental Anguish
An Umbrella policy can…
- Be applied to multiple underlying liability policies.
- Drop down when an underlying policy’s aggregate limits are exhausted.
- Cover claims not included in the underlying policies.
Excess Insurance Defined:
Excess Insurance is much different than Umbrella Insurance. Excess Liability can only be applied to one underlying company. For example, if your home and auto are with one company, but your boat is with another, the loss that occurs on the boat policy may not be covered by your excess if your limits are exhausted on the boat policy.
Other Business Insurance
Click on the links to learn more about the personal lines of insurance products offered by us, at Heritage Insurance.