Extra Protection. Greater Peace of Mind.
Unexpected accidents and lawsuits can quickly exceed the limits of standard insurance policies. At James Econn & Co., our Umbrella Insurance solutions provide an added layer of liability protection — helping safeguard your assets, savings, and future.
Umbrella Insurance is designed to step in when other policies reach their limits, offering broader protection when you need it most.
What Is Umbrella Insurance?
Umbrella Insurance provides additional liability coverage beyond the limits of your existing policies, such as homeowners, renters, auto, or watercraft insurance.
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Large liability claims or lawsuits -
Serious injuries to others
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Property damage claims
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Legal defense costs
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Certain claims not fully covered by standard policies
Our advisors help you understand where your current coverage ends — and where umbrella protection begins.
Excess Liability Coverage
Structural and permanent fixture damage
Legal Defense Costs
Personal or business belongings
Personal Injury Claims
Furnaces, water heaters, and wiring
Worldwide Coverage
Post‑flood recovery support
Flexible Coverage Limits
Residential and commercial coverage types
Broader Claim Protection
Protection for covered lower‑level structures
How to Get Home Owner’s Insurance
in 4 steps
Coverage Review
Recommendation
Policy Setup
Ongoing Support
We always help
Frequently Asked
Questions
Does umbrella insurance replace my existing policies?
No. It provides additional coverage on top of your current insurance.
How much umbrella coverage do I need?
It depends on your assets, income, and risk exposure. We help determine the right limit.
Is umbrella insurance expensive?
It’s typically very affordable compared to the amount of coverage provided.
Does it cover business activities?
Personal umbrella policies usually exclude business risks; separate coverage may be required.
Do I need certain minimum limits on other policies?
Yes. Underlying policies usually must meet specific coverage limits.
Protect More Than Just Today
(310) 295-1502
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