Umbrella Insurance provided by Browne Insurance Services

Protecting your family and assets is a top priority, which is why people have insurance. Personal umbrella insurance is a type of insurance designed to add extra liability coverage over and above another insurance policy, such as auto or homeowners insurance.
Get that additional layer of protection

Umbrella insurance, is meant to help protect you from large and potentially devastating liability claims or judgments. Personal umbrella coverage comes into play when your underlying liability limits (such as from a homeowners or auto insurance policy) have been reached.

Understanding how Umbrella Insurance works

To understand how umbrella insurance can help, consider the following scenario. If a driver runs a red light and accidentally hits another car, there might be significant damage to the vehicle and several people might be injured.

With car repairs totaling $50,000 and the treatment of the injuries eclipsing $500,000, the driver at fault may be liable for expenses that go far beyond the coverage limits of their insurance. An umbrella insurance policy will pick up the additional liability costs beyond the limits of car insurance coverage.

Why Umbrella Insurance may be needed ?

To best answer that question, consider the assets you own, and the role they play in fostering your financial security. When thinking about assets, there are obvious items that come to mind: your car, house, investment accounts, and checking and savings accounts. But more broadly, even your projected stream of future income can be viewed as an asset. In fact, it may even prove to be the most valuable asset of all.

In the event that you become the target of a lawsuit for a substantial sum of money, but don’t have enough insurance to cover the damages that may arise, the expenses would have to come out of pocket. This could create a significant financial hardship. An umbrella policy can forestall the prospect of financial ruin due to an unintentional misstep or an unforeseeable accident.

Check with us to know whether you need additional protection, we can help ensure you find a cost effective umbrella insurance suiting your needs.

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As an independent agency, Browne Insurance Services
Helps you find the right Umbrella Insurance Coverage
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Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • Auto bodily injury liability
  • Bodily injury liability
  • Property damage liability
  • Medical Bills

Auto bodily injury liability Coverage

Risk Factors

While away at college, your 19-year-old son causes an accident that seriously injures a tech company’s top executives. Your auto insurance liability limits may not be high enough to cover their medical expenses and lost income while they recover.


Auto bodily injury liability helps cover a person’s treatment costs if they get hurt in a car accident. This coverage steps in when you reach your auto liability limit.

Bodily injury liability Coverage

Risk Factors

A guest at the pool party you’re hosting slips on your diving board and falls onto a stone-paved deck. She’ll be okay — but will need back surgery and ongoing rehab. The cost of this care will exceed the limits of your homeowners policy.


This can help cover another person’s medical bills. If someone gets hurt and sues you, this coverage protects you once your liability limit has been reached.

Property damage liability coverage

Risk Factors

You forgot you left your bathtub running when you got distracted while checking for mail in your apartment building’s lobby. While you’re gone, the tub overflows deluging your downstairs neighbour’s home office. Renter’s insurance won’t cover the full costs of damage to her property and business.


This helps pay for damage to another person’s property or vehicle. This coverage will take effect when your liability limit has been exhausted.

Loss of income Coverage

Risk Factors

Your friend trips and falls over a toy left in the middle of a hallway by your young son. She won’t be able to work for some time, and the liability limits of your homeowners insurance may not be high enough to cover her medical bills and other compensation.


An umbrella policy can cover her medical bills and other compensations. However, This coverage helps once your liability limit has been exhausted.

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