Umbrella Insurance
Eligible ages:
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Minimum Age: 10 Years
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Maximum Age: 65 Years
Umbrella Insurance
NLC’s umbrella insurance policies provide a layer of liability coverage beyond what is offered within our standard insurance policies, such as auto or homeowners insurance. Particularly beneficial for individuals or businesses that have substantial assets to protect, by shielding them from significant financial loss due to unexpected claims or lawsuits.
NLC’s Umbrella policies include the following:
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Bodily Injury Liability
Covers costs associated with injuries to other people on your property or due to your actions, exceeding the limits of your underlying policies.
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Property Damage Liability
Covers damages the policy holder causes to someone else’s property that exceeds primary policy limits.
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Personal Injury Claims
Includes coverage for claims of slander, libel, defamation, wrongful eviction, and invasion of privacy that go beyond what is covered in standard policies.
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Legal Defense Fees
Covers legal costs associated with defending against lawsuits, even if the lawsuit is groundless.
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Rental Property Liability
If you own rental properties, an umbrella policy can protect against liability claims that arise from those properties.
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Liability While Traveling
Offers coverage for claims arising from accidents or incidents that occur during travel, both domestically and internationally.
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Global Coverage
Provides worldwide coverage, protecting you from claims that arise outside the United States, subject to certain limitations.
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Excess Coverage for Other Policies
NLC’s Umbrella Policies can act as a supplementary policy that covers liability for other types of insurance, including commercial policies, in addition to personal coverage.
Additional Coverages can include:
- Valuables Insurance
- Replacement Cost Contents for personal property at replacement value without a deduction for depreciation.
- Guaranteed Replacement Cost will pay for the cost to rebuild a destroyed building even if the cost exceeds the amount of coverage up to an additional percentage.
- Protection Bundles provide additional coverages with a price that is lower than if the coverages are purchased individually.
- In-home Business for certain businesses operated out of the house.
- Identity Theft provides highly experienced fraud specialists to assist in resolving your claim.
Talk to the Experts
Find an NLC agent to learn more about our Umbrella Insurance programs and how we can provide a custom solution designed just for your needs.