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Alan Galvez Insurance Blog: umbrella insurance

View the latest blog posts from Alan Galvez Insurance.

I’m going to be honest- this is one of those articles I NEVER wanted to write. There is nothing good that comes when a teenage driver you insure is killed in an auto accident. It is the most horrific situation I’ve ever experienced in my many years of being in the insurance business. READ MORE >>

Do you serve on a board of directors? As a way to "give back", many people serve on a board of directors, and perhaps more than one. While this is a wonderful way to serve your community, it's important to know if there is coverage to protect and defend you for the decisions you're making as a board member. READ MORE >>

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 >>

Liability insurance is what protects you when you cause damage to another person.  If you hit someone else’s car, your liability insurance pays to fix it.  If someone is injured in an accident that you caused, then liability insurance pays for their medical bills.  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

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 info@galvezinsurance.com

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