Liability insurance on your home and auto policies is a great start—but based on your circumstances, you may need additional liability protection against unexpected events. Umbrella insurance provides an extra level of liability coverage. If you already have your home and auto policies with Bear River Mutual, we can write umbrella liability limits of $1 million or $2 million. Your independent agent can determine whether umbrella insurance is appropriate for you and help you meet our underwriting requirements.
Coverage
Damages:
An Umbrella policy will pay damages on behalf of an insured, subject to certain exclusions and limits of liability. Contact your agent to discuss specific definitions.
Certain Lawsuits:
Umbrella policies can cover costs to defend a lawsuit and certain other legal costs incurred should you be sued should your primary insurance not cover those expenses. These may included costs for counsel, interest, bonds and investigation. See your agent for specific coverage and limitations.
Other Considerations:
Call your agent today to find out how Umbrella Insurance can help protect you above and beyond what your normal insurance policy can cover.
Bear River Mutual is part of a tradition that began in 1752 when Benjamin Franklin founded the first mutual insurance company. Learn how being part of a mutual company is different.
Frequently Asked Questions
How do I increase my Umbrella Insurance coverage?
Bear River Mutual offers umbrella coverage limits of $1,000,000 and $2,000,000. To request any changes to your policy, contact your Bear River Mutual agent.
How much umbrella insurance do I need?
You can determine your coverage level based on the assets you need to protect. Bear River Mutual offers umbrella coverage limits of $1,000,000 and $2,000,000.
Why should I get umbrella insurance?
Umbrella insurance is additional insurance coverage to protect your assets from lawsuits and serious claims. Your agent may help you determine if umbrella insurance is right for you.