Category: Umbrella
- Categories: Umbrella
Life is full of surprises—some better than others. While we do our best to prepare for the unexpected, sometimes “stuff” happens. This is where an umbrella insurance policy comes in. It acts as a “safety net” that provides extra liability coverage above and beyond the limits of your home, auto, or watercraft insurance – an … <a title="What Is an Umbrella Insurance Policy, Why Should You Have One?" class="read-more" href="https://americanheritageins.com/what-is-an-umbrella-insurance-policy-why-should-you-have-one/"...
- Categories: American Heritage, Special Event Insurance, Umbrella
As a business owner, there will likely be a time when you host or organize a special event for employees and/or clients. In doing so, you want to ensure that you and your company are protected against anything that can go wrong during the event. The size of an event can range from small to … Read more
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- Categories: American Heritage, Umbrella
Your son blinds a playmate with his BB gun. Your daughter rear-ends a car, causing serious injuries to its driver. A neighbor breaks his neck by diving into the shallow end of your swimming pool. Your teenager’s friend drinks liquor at your house, then paralyzes another driver in a car crash. You serve on the … <a title="Should You Seek Out Umbrella Insurance?" class="read-more" href="https://americanheritageins.com/should-you-seek-out-umbrella-insurance/" aria-label="Read more about Should You...
- Categories: American Heritage, Commercial Insurance, Umbrella
When you hear the term “commercial umbrella insurance,” what comes to mind? Many business owners aren’t entirely aware of what this type of coverage entails, or even what it means. Today, we are going to give you the answers to your most pressing questions on the topic! What is commercial umbrella insurance? Commercial umbrella insurance … <a title="Does Your Business Need Commercial Umbrella Insurance?" class="read-more" href="https://americanheritageins.com/does-your-business-need-commercial-umbrella-insurance/" aria-label="Read more about Does...
- Categories: American Heritage, Auto, Commercial Insurance, Home, Small Business, Umbrella
Homeowners insurance protects you if, say, a fire burns your house to the ground. That’s a start. But you also need to think about protecting your home against something equally dangerous: a lawsuit. If a houseguest slips in the bathtub, you could get sued. Lose the lawsuit and you could lose all of your assets, … <a title="What’s Covered by Umbrella Insurance?" class="read-more" href="https://americanheritageins.com/whats-covered-by-umbrella-insurance/" aria-label="Read more about What’s Covered by...
- Categories: American Heritage, Commercial Insurance, Small Business, Umbrella
Commercial umbrella coverage gives you extra liability coverage to help pay costs that exceed your general liability or other liability policy limits. Without this business insurance coverage, you’d have to pay out of pocket for expenses that cost more than your coverage limits, such as: Legal fees Medical bills Damage expenses A commercial umbrella policy … <a title="What is Commercial Umbrella Insurance?" class="read-more" href="https://americanheritageins.com/what-is-commercial-umbrella-insurance/" aria-label="Read more about What is Commercial...
- Categories: American Heritage, Auto, Home, Money, Small Business, Umbrella
It seems as though the wealthier an individual is, the higher the risk of being sued. It’s just one of the downsides of being affluent, especially if that person is also a business owner. In opportunistic lawsuits, primary policies like standard car insurance, home insurance and a business owner’s policy do not fully protect a … <a title="Umbrella Insurance is the New Liability Coverage" class="read-more" href="https://americanheritageins.com/umbrella-insurance-is-the-new-liability-coverage/" aria-label="Read more about Umbrella...
- Categories: Agribusiness, American Heritage, Farm, Umbrella, Weather
Crop insurance protects farmers and agricultural producers against the loss of crops as a result of extreme weather, like floods, hail, and drought, or the loss of revenue due to price fluctuation in the agricultural commodity market. There are two types of crop insurance available to farmers in the U.S. : crop-hail insurance, which is … <a title="Everything You Need to Know About Crop Insurance" class="read-more" href="https://americanheritageins.com/everything-you-need-to-know-about-crop-insurance/" aria-label="Read more about...
- Categories: American Heritage, Umbrella
1. Without it, You Could Lose Everything If you cause a car accident and the other driver sues, your auto insurance covers you up to your personal-liability limit, which is likely between $100,000 and $300,000. Same goes for your homeowners insurance if the mailman slips on your steps. An umbrella liability policy pays for settlements … <a title="5 Things to Know About Umbrella Insurance" class="read-more" href="https://americanheritageins.com/5-things-to-know-about-umbrella-insurance/" aria-label="Read more about 5...
- Categories: American Heritage, Umbrella
The term “umbrella insurance” is a good descriptor – it’s a broad type of coverage used to protect your business from liabilities that threaten its financial stability. This insurance extends over other policies to provide additional coverage when certain kinds of underlying policies have reached their limits. It also can kick in to fill in … <a title="Commercial Umbrella Insurance: What You Need To Know" class="read-more" href="https://americanheritageins.com/commercial-umbrella-insurance-what-you-need-to-know/" aria-label="Read more about...