Ficke & Associates

Umbrella Insurance is insurance that extends above and beyond the coverages that you 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, whether they are homeowners, automobile insurance, etc.

Example: Carolyn has auto liability insurance that covers her for $500,000.00 and a personal umbrella policy that has a $1 Million limit.  She is sued after a recent accident by the other motorist for 1 million dollars in punitive damages for injury, pain, and suffering.  Carolyn’s insurance will cover the first $500,000.00 of the settlement from the lawsuit, but she must come up with the other $500,000 on her own. This is where the personal umbrella coverage will pick up the slack.

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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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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