Umbrella Insurance

Additional Liability Coverage Beyond Standard Policies

Umbrella insurance provides additional liability coverage that extends beyond the limits of your personal auto, home, or other underlying insurance policies. Anderson Insurance Group offers umbrella insurance options for individuals and families across Oregon who want added protection against large liability claims. This type of policy is designed to respond when the limits of another policy have been reached.

How Umbrella Insurance Works

An umbrella policy increases your total liability coverage by adding an extra layer of protection. It typically applies to covered claims involving bodily injury, property damage, or certain personal liability situations. Umbrella insurance does not replace your existing auto or home insurance. Instead, it works alongside those policies to provide higher overall limits.

Who May Benefit From Umbrella Insurance

Umbrella insurance may be a good option for individuals with higher exposure to liability risks. This can include homeowners, drivers with multiple vehicles, households with teen drivers, or individuals who host guests or activities on their property. It may also be considered by those with assets they want to help protect from potential legal claims.

Common Situations Umbrella Insurance May Address

Injury claims that exceed the liability limits of an auto insurance policy
Accidents occurring on your property that result in significant medical costs
Liability claims related to rental properties or recreational vehicles
Certain personal liability claims, such as defamation or false arrest, depending on the policy