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Alan Galvez Insurance Blog: bellefontaine ohio umbrella insurance

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Get ready for everyone's favorite answer: It depends. Truthfully, the answer to this question could easily differ depending on what type of umbrella insurance you're discussing (personal vs. business), as well as variations within the business policy itself. READ MORE >>

While we consider having a personal umbrella policy pretty important,  there are certain situations where we consider it absolutely critical to have one. We've listed 5 below- if you have any of these same situations, call your agent (or us!) to discuss getting a personal umbrella policy to protect what you've worked so hard for. READ MORE >>

Just like any insurance policy, an umbrella insurance policy doesn't cover everything. Here's two examples of exclusions that may be unfamiliar to you. Personal Umbrella Insurance does NOT cover punitive damages What does this mean? Punitive damages are legal-ese for damages designed to punish the other party. READ MORE >>

Here's the simplest answer you'll ever get- personal umbrella insurance is an insurance policy that provides additional liability coverage.  It usually doesn't exist by itself, however; it's normally associated with your other insurance policies, such as your home/renters and auto insurance. READ MORE >>

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Alan Galvez Insurance
134 W. Columbus Ave.
Bellefontaine, OH 43311

 (937) 592-4871


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