Umbrella Insurance

Dartmouth Umbrella Insurance

Extra cover you may need

We can talk a lot about Umbrella insurance, but to keep it simple, think of it as extra liability insurance over and above your primary insurance policy(ies) that is designed to help protect you from major claims and lawsuits.

How Umbrella Insurance protects you and your assets

Umbrella insurance protects you, the insured, in two ways:

  1. It provides excess liability limits above the policy limits on your [primary] home, auto, boat and other general insurance policies.
  2. Umbrella policies can provide you with broader coverage; that is, even if your primary policy does not provide that coverage, you could look to your umbrella policy to cover the claim.  If the umbrella responds to the claim, it ‘drops down’ becoming your primary policy (hence the term, ‘drop-down effect’).  Since you have not yet paid a deductible, you will have to pay the policy’s ‘SIR’ (self-insured retention, which is a deductible: the portion of the claim you must pay first before the Insurer pays).

Who needs to purchase Umbrella Insurance?

If you have a lot of assets, this could mean you could be fined more because you have more.  It’s an unfair possibility – but if the courts feel the victim deserves the compensation for sustained bodily injury or property damage and feels that you, as the responsible party, have the means to pay it, then having Umbrella coverage could protect you.

Suzy Maclellan has provided some additional information on video – feel free to view at your leisure.  If you have any additional questions, or if you would like us to quote and discuss this coverage with you further, contact us!

Halifax – Dartmouth Insurance at Founders Insurance Group

For a quote on Umbrella protection, contact Founders Insurance Group today.  Founders has insured the people of Nova Scotia and New Brunswick since 1982.  We know how to protect your assets and our goal is to provide you the information, as well as the coverage, so you can better protect your assets.

Complete the Protection Savings Form on the right-hand side of the screen while it’s still fresh in your mind.  You will receive a free, no obligation umbrella insurance quote.

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Testimonials

  • Sympathetic & Caring My insurance agent's name is Janice Pottie, however, I call her Rockstar. I have been dealing with Janice for almost a year and she has always presented herself in a very friendly and professional manner. In the summer of 2010, I had the misfortune of being involved in 2 car accidents within a 4 week span. It was a very stressful time for me because I'm a newly graduated driver and I'd never been in an accident before. Having Janice to help me through the process was fantastic. She listened to my concerns, answered all my questions, no matter how many or how often. I also found her to be very sympathetic and I knew she cared about the situation I was in and would do whatever she could to help me through it. In my experience dealing with Janice, she has also been very knowledgeable, detailed and quick to give me all the information I need for whatever the situation may be. I feel very confident in recommending Janice Pottie to my friends and family as an insurance agent that you can trust. Thank you so much, Janice, for the service you have provided me. I greatly appreciate it.

    Sandra B.
  • Coverage We Need, Rates We Can Afford I went to Founders Insurance in the Lunenburg office 20 years ago at the age of 23 when I bought my first new car. I lived in Bridgewater at the time, but had been told of the great service and reasonable rates in Lunenburg by a few friends. I was not disappointed! I have been dealing with Karen Wardell since that time. I got married, purchased several vehicles, two homes and started a business with my husband in the 20 years after that and Karen has always been there to help us find the balance between having the coverage we need at rates that we can live with. We have had a few accidents along the way and Karen's service has always been consistent, professional and understanding. I live away from Lunenburg now, but have no trouble dealing electronically with the office.

    Lisa S.
  • I have been a client of Janice Pottie for about 9 years for both my house and auto insurance. I just wanted to let you know that Janice has always provided top notch customer service and has always provided me with efficient, reliable information.  Sometimes brokers (insurance companies) get a bad rap with respect to quality customer service.  This has never been the case with Janice and I felt it was important to give credit to someone where credit is due. You’ve got a great employee!!  

    Connie
  • Very Friendly We are very happy with Founders Insurance Group. The local staff is very friendly and they all treated us with respect as they worked toward making sure that we received all the discounts we were eligible for. We recommend Founders Insurance Group to all of our friends.

    M. Smith
  • No Regrets I have been with Founders Insurance Group for many years now and found their service and professionalism to be number 1. My broker not only found me the lower price, but also the most coverage for that price. I've passed the word to all of my friends and family and not one of them has ever regretted switching to Founders. I will continue to use Founders Insurance Group for many years to come.

    Michel K.

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