Umbrella Insurance Policy
Umbrella Insurance Coverage
Add an Extra Layer of Protection
Sometimes, life throws things at you that regular insurance can’t fully catch. That’s where umbrella insurance comes in.
Whether you’re driving on a busy highway, welcoming guests into your home, or running a business — one serious accident or lawsuit could cost more than what your current insurance covers. An umbrella policy steps in when that happens, helping cover what your home, auto, or business policy leaves behind.
At TIA-Texas Insurance Agency, we’re here to help you stay protected — all the way.
What Exactly Is Umbrella Insurance?
Think of it like a safety net. Umbrella insurance doesn’t replace your regular coverage — it extends it.
If you reach the liability limits on your home, auto, or business insurance, your umbrella policy takes over and helps cover:
Injuries or property damage from major accidents
Lawsuits or legal claims filed against you
Legal defense costs
Accidents that happen on your property
Business-related liability (with commercial umbrella policies)
It’s protection you hope you never need — but will be glad to have if the unexpected happens.
Personal Umbrella Insurance
If you accidentally cause a major car accident, or someone gets injured on your property and sues you — your regular policy might not cover the full amount.
A personal umbrella policy gives you added peace of mind by providing extra liability coverage to protect your:
Savings
Home
Future earnings
It’s a smart choice for homeowners, or anyone who wants to avoid financial risk in case of a serious accident or lawsuit.
Commercial Umbrella Insurance
Running a business comes with enough challenges — don’t let a costly claim put it all at risk.
If your company faces a large liability claim, a commercial umbrella policy adds additional coverage beyond your general liability or commercial auto policy. It’s ideal for:
Contractors and small business owners
Retail shops and offices
Businesses with company vehicles
Whether it’s a slip-and-fall claim or a lawsuit that goes beyond your primary policy limits, this coverage helps you stay protected without draining your business resources.
Why Should You Consider Umbrella Coverage?
It’s affordable, especially compared to what a big lawsuit could cost.
It protects what you’ve worked hard for, like your home or business.
It gives you peace of mind in a world where accidents and lawsuits happen every day.
Talk to Someone Who Actually Listens
We’ve been helping Texans protect what matters for over 25 years.
📞 Call us at 281-607-0991 to request a free quote today or fill out and submit the form and one of our agents will contact you soon.