Umbrella insurance can come in incredibly handy, and you should consider how likely you are to need it. We will discuss this more in the article below.
Stalwart Insurance in Pittsburgh, PA is proud to offer umbrella insurance, and you can contact us if you think you might need it. We work with many providers, so you will be given several quote options.
How Likely Are You To Need It
Whether you need umbrella insurance or not depends on how likely you are to use it. In short, umbrella insurance is a type of liability insurance if you cause accidental harm to another person or their property.
Usually, your car insurance comes with some liability coverage if you are involved in an accident with your car, but you need to check how much this covers, as it’s usually not enough. Liability insurance is also not just relevant for a car accident, but can also be needed for:
- If you accidentally hurt someone or damage their valuables
- If you’re falsely arrested
- If you’re sued for mental harm to another person
- If your dog causes significant harm to another person
People Who Need Umbrella Insurance
While everyone could be at risk of the situations above, people in certain jobs will be more at risk of being sued for any of the above reasons. For example, journalists or lawyers risk accidentally harming someone mentally due to their job, so they should consider umbrella insurance, but also dog walkers, as they take responsibility for other people’s dogs whilst at work.
You can call Stalwart Insurance in Pittsburgh, PA to discuss umbrella insurance options, and we will talk you through the different quotes.