Umbrella Insurance in New York
At Hudson Valley Insurance Brokerage, Inc. in Stony Point, NY, we are committed to the safety and security of your family. That's why we work with you to come up with a supplement for your personal or commercial insurance.
We provide you with an umbrella policy to give you additional protection for damages beyond the liability coverage of your standard policy.
How It Works
Umbrella Insurance is intended to protect your home, car, future earnings, and assets from being used to pay for the expenses after standard insurance policy benefits are drained.
It provides additional liability coverage above the limits of your primary insurance policy for:
Bodily Injury Liability - it offers coverage for liability claims related to the cost of damages caused to another person's body. For instance, medical bills as a result of:
- Injuries sustained by other parties as a result of an auto accident where you are responsible
- Injuries caused to other parties by your pet.
- Injuries sustained by another person within your property.
Property Damage Liability - it gives coverage for damage or loss to another person's tangible property. For instance, the cost associated with:
- Damages to another person's property or vehicles due to an auto accident where you are to blame.
- Damage claims incurred when your pet destroys another person's property.
- Accidental damage to institutional property caused by your child.
Owners of Rental Units - protects a landlord from liability costs as a result of:
- Injuries sustained within your rental property, and the affected person is suing you for damages.
- Injuries caused by your tenant's pet that you are being held liable.
Coverage is also for:
- Character defamation, and false arrest and imprisonment.
- Personal Injury liability such as libel and slander.
- Attorney fees and other legal costs if you're sued.
- Mental anguish or distress.
- Business liability.
How can we help?
We can help find the umbrella insurance coverage necessary to protect you and your family. Our offices are located in Stony Point, NY, and we service clients throughout New York State, New Jersey, and Connecticut. If you are in these areas, you can contact us directly or visit our offices to get a quote or purchase a personal or commercial umbrella policy.