Higher liability limits
Explore additional protection above qualifying home, auto and other liability policies.
PERSONAL INSURANCE
Personal Umbrella Insurance in Massachusetts
A serious liability claim can exceed the limits on a home or auto policy. Cushman helps families review an additional layer of liability protection and coordinate it with their underlying insurance.
What to review
Your exposures
Discuss teen drivers, rental properties, watercraft and other activities that can affect your needs.
Policy coordination
Review required underlying limits, covered people and exclusions before choosing an umbrella policy.
Coverage descriptions are general. Availability, eligibility, limits, deductibles and exclusions vary by insurer and policy. Coverage is not bound, changed or cancelled until confirmed by our office.
A USEFUL STARTING POINT
What to bring to the conversation
- Home and auto declarations
- Properties and recreational vehicles
- Household drivers and current liability limits
Personal Umbrella Insurance: common questions
Does an umbrella replace my home or auto policy?
No. It generally works above qualifying underlying policies. Maintaining the required underlying coverage is part of the review.
Will an umbrella cover every lawsuit?
No policy covers every claim. Coverage depends on its terms, exclusions and the circumstances of a loss. We help you understand the limits.
Independent advice, close to home.
Cushman Insurance Group has served local families and businesses since 1922. Our family of agencies includes Cushman, Ora Andrews, T. Robert Sullivan and Bergeron. We help you compare available insurance options and understand the limits, deductibles and exclusions before making a decision.
Find our teams in Brockton, Halifax, Lakeville, Norton, South Attleboro and New Bedford, with T. Robert Sullivan serving clients from its Swampscott mailing location. See office details and hours.
LOCAL PEOPLE. PERSONAL GUIDANCE.
Let’s review it together.
Talk with our team about your priorities, your current coverage and what is changing.