Ficke & Associates

Umbrella Insurance
is insurance that extends above and beyond the coverage that a business may already currently have in place.  It is referred to as “umbrella” insurance because it broadens and extends the spectrums of the policies underneath it.  Umbrella Insurance can be used to fill the gaps that may be present in a particular businesses liability policy, or to extend the coverage of commercial automobile insurance. In either case, Umbrella Insurance serves to further protect businesses by broadening the coverage of their existing insurance policies.

Example: Carolyn has a Business Owners Policy that protects her for $2 million. Her corporation is sued after a recent accident for $6 million dollars in punitive damages.  Without additional Umbrella coverage on her policy, Carolyn’s insurance would possibly cover the first $2 million of the settlement from the lawsuit, but she would be forced to come up with the remaining $4 million on her own.

Contact us today for more information about Umbrella Insurance or fill out our online quote form.

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     3 LOCATIONS

271 Route 46 West ,Suite A201
Fairfield, NJ 07004
Phone: 1-877-516-3749    
Fax: 1-888-717-776
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Click Here for Directions

Windsor Business Park
186 Princeton Hightstown Road
Building 3A, Suite 9
West Windsor NJ 08550
Phone: 1-877-516-3749    
Fax: 1-888-717-7763
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Click Here for Directions

300 E Royal Lane
Suite 116
Irving, TX 75039
Phone: 1-877-516-3749
Fax: 1-888-717-7763
Click Here for Email
Click Here for Directions



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