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Personal Umbrella Insurance

One bad accident can cost more than your auto and home policies will pay, and the difference comes from you. A personal umbrella from Eastern Shore Insurance Agency adds an extra million or more of protection, usually for a few hundred dollars a year.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

One accident can reach everything

An umbrella steps in when an ordinary accident becomes an extraordinary claim.

An at-fault accident produces injuries beyond your auto limits.

The umbrella pays the difference instead of your savings and future wages.

A guest is seriously hurt at your place and the suit exceeds homeowners limits.

The umbrella responds above them.

Your teenage driver has the accident every parent dreads.

The umbrella is the policy that lets you sleep anyway.

What Umbrella Insurance Covers

An umbrella sits quietly above your other policies until the day it matters:

Excess liability

An extra $1 million or more above auto, home, and boat policies.

Broad protection

Claims like libel and slander that underlying policies may not touch.

Worldwide coverage

Personal liability that travels with you.

Defense costs

Lawyers for the big claim, beyond exhausted underlying limits.

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Who Needs Umbrella Insurance Coverage

An umbrella is for the day an ordinary accident turns into an extraordinary claim.

Households with teen drivers

The most common trigger for a large claim.

Homeowners with pools or dogs

The Oswego River and area creeks rise fast.

Boat, sled, and ATV owners

Recreation adds liability in every season.

Anyone with savings or future income

A judgment reaches past your policies to your assets.

Umbrella coverage sits above your auto, home, and recreational vehicle policies.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

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  • 315-598-6000

Who Needs Umbrella Insurance Coverage

An umbrella is for the day an ordinary accident turns into an extraordinary claim.

Households with teen drivers

The most common trigger for a large claim.

Homeowners with pools or dogs

The Oswego River and area creeks rise fast.

Boat, sled, and ATV owners

Recreation adds liability in every season.

Anyone with savings or future income

A judgment reaches past your policies to your assets.

Umbrella coverage sits above your auto, home, and recreational vehicle policies.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Where the umbrella sits

The umbrella requires healthy limits underneath. We build the stack as one piece.

Personal Umbrella

The extra layer above everything else.

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Auto

Your first line for vehicle claims, where big losses usually start.

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Home

Your first line for everything at the house.

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Why Eastern Shore Insurance Agency

As an independent, employee-owned agency, we shop multiple carriers to find the right coverage at the right value, and we are honest about what you do not need. With six offices across Central and Upstate New York, from Fulton to Waterloo, you get an advisor who knows your community and answers the phone when a claim happens.

Trusted Choice®

100% Employee-Owned

Six New York Offices

Independent Agency

“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY

Umbrella Insurance FAQs

Quick answers to common questions from families and homeowners.
Typically a few hundred dollars a year, with each additional million costing less. Measured against what it protects, the cost is modest.
A common rule of thumb is at least enough to cover your net worth plus a margin for future earnings. Your advisor can pressure-test the number in five minutes.
Your own injuries or property, business activities, and intentional acts. It is liability protection, pure and simple, sitting above your personal policies.
Yes. Umbrella carriers require minimum underlying limits, commonly 250/500 on auto. We align everything when we quote so the umbrella attaches cleanly.

Have any questions?

Our local team can help you find the right coverage for your business in New York.

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Related coverages

Auto

Coverage for every driver in the house.

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Home

Protection built for Central New York homes.

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Recreational Vehicle

Coverage for boats, sleds, and everything fun.

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Other & Specialty

Purpose-built coverage for everything else.

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Industries We Serve

Insurance solutions built for the way you work

We partner with businesses across a range of industries to help manage risk and drive growth.

Contractors

Manufacturing

Hospitality & Restaurants

Non-Profits & Churches

Farms & Ranches

Retail

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