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Umbrella Insurance

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Umbrella Insurance
IGM Brokerage Corp. in Bronx, New York, can help you supplement your personal or commercial insurance with a umbrella policy. Because our goal is to provide high-quality services, we make sure that you receive a sufficient amount of protection your conventional coverage doesn’t cover.

Umbrella Policy
Umbrella policy refers to extra liability coverage that goes beyond the conventional rates of your personal or commercial insurance. If you are sued under the liability portion of any insurance policy you have, you can be covered additionally by umbrella insurance.

How It Works
For example, your auto insurance policy or homeowners insurance policy has a liability limit of $500,000. With an additional $1 million umbrella insurance policy, you will then be covered on an auto liability or homeowners liability claim for up to $1.5 million. Likewise, if you have a $1 million general liability policy and you want additional coverage up to $5 million, you will need to purchase a commercial umbrella insurance policy.

Cost
Umbrella Insurance is designed to pay after the homeowners, auto, or commercial insurance policy benefits are drained.For the amount of protection you receive, umbrella insurance is not expensive (for example, it costs $200 to $300 a year for a $1 million standard risk policy). The premium may differ based on many variables, one of which is previous losses.

How Can IGM Help?
IGM can help find the Commercial Umbrella Insurance coverage necessary to protect your business. IGM is located in the Bronx and we service clients throughout Manhattan, Bronx, Brooklyn, Queens, Staten Island, Westchester, New York State, New Jersey and Connecticut.

If you need more information about Umbrella Insurance, please contact us at 718-931-4900.

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