Expert Advice for Umbrella Insurance

All Questions on Umbrella Insurance

Can I be sued for actions my child does outside of the home?
We were at the park the other day and my child pushed another kid off the swing. The other kid broke his arm, and while I do feel bad about that, I don't think I should have to pay for his medical bills. The parents are talking about suing us, can they do that?
Shannon Martin
Jul 26, 2021
How do I know if I need an umbrella policy?
"Should we wait to get an umbrella policy until we have more assets, or get it now since we both make close to a 6 figure salary? My State Farm agent advised me that my husband and I should think about getting an umbrella policy. We don't own any property yet, but we are saving for a house."
Shannon Martin
Jul 28, 2021
What does hazmat insurance cover?
When would a semi-truck need to have hazmat insurance? What coverage would it provide?
Shannon Martin
Oct 05, 2021
What will a commercial umbrella policy cover?
What additional coverage will an umbrella policy provide above and beyond my current commercial policy?
Shannon Martin
Oct 05, 2021
Do I need trucking umbrella coverage?
I carry a liability limit on my commercial trucking policy of $200,000, do I still need to buy an umbrella policy? I am an independent trucker with just one rig. I thought that umbrella policies were more for big corporations.
Shannon Martin
Oct 05, 2021
What happens if you cause a huge pileup accident?
Who pays for a multi-car accident? I saw on the news this winter quite a few pile ups on the highway due to the weather and it made me very nervous.
Shannon Martin
Jul 06, 2021
My kid hit someone in the face while flying a kite, now what?
We were at the park the other day and my 7-year old hit someone in the face while flying a kite. I don't know how injured they are, but what should I do now?
Shannon Martin
Oct 22, 2021

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