Umbrella Insurance Policies for Individuals | JGS Insurance 

Customized Umbrella Insurance to Protect Your Assets & Lifestyle.

We'll not only provide what you need, but we also help you understand what kinds of coverage you actually need to protect yourself from the unforeseeable.

When you invest in an umbrella insurance policy, you cover the gaps and excess exposures that other policies leave behind, like your homeowner and auto insurance policies. Experience the confidence of working with a team backed by a century of experience in insurance solutions.

What Is Umbrella Insurance?

Personal umbrella insurance is total protection insurance, a type of personal liability insurance that allows you to protect your assets if your home or auto insurance policies don’t quite cut it. An umbrella insurance policy covers the rest when other personal liability policies don’t cover the amount you owe on a judgment.

For example, if you were to cause a car accident resulting in injuries to another person, your auto insurance policy might not cover all medical expenses in the claim. Having an umbrella policy allows you to pay the owed money without compromising your assets.

This extra coverage also covers situations that do not involve your property or vehicle and that other policies do not cover. You can satisfy any claim using umbrella insurance, even if that claim is overseas. Exceptions to this global coverage are properties or vehicles you purchase under foreign laws.

This type of private client insurance also protects other family and household members in addition to the policyholder. For example, if your child causes a car accident or is liable for injuries from a school fight, the umbrella policy can cover the cost of the judgment.


what are the benefits of personal umbrella insurance protection?

Umbrella insurance is a “catch-all” insurance that offers many benefits, including:


A comprehensive policy like this has to be expensive, right? Actually, no. A personal umbrella policy is the best value in the insurance business. A $1-2 million policy may only cost as little as $25 per month (rates based on homes, autos, drivers, etc).

Comprehensive Coverage

You won’t have to wonder if your policy will cover you in an unusual circumstance. Umbrella insurance offers comprehensive protection for the unforeseen.

Asset Protection

Unreasonable lawsuits and high defense costs are common these days, and umbrella insurance will protect assets like your retirement fund, savings account, and investments from becoming compromised.

Peace of mind

This type of high-net-worth total premium insurance covers you for almost anything life may throw your way, so you don’t have to worry. Your JGS advocate will help you get there.

What Does Umbrella Insurance Cover That My Personal Policy Doesn’t?

Umbrella insurance covers judgments against you that other policies may not cover. Here are some examples of circumstances that homeowner or auto policies may not cover or have enough coverage, but an umbrella policy will protect you:

  • Someone gets injured while visiting your home
  • Your child injures someone
  • Your pet injures someone
  • Someone sues you for slander or libel
  • You or a household member cause an auto collision
  • You are involved in an accident with a rented or borrowed car
  • The other party in an accident has no or low insurance lmits

Umbrella insurance does not cover certain things. For example, you cannot cover a business loss using umbrella insurance. Here are some examples of circumstances that your umbrella insurance policy won’t cover:

  • Personal belongings
  • Intentional injuries
  • Business losses
  • Criminal acts
  • Oral or written contracts

If you are curious about a specific circumstance, ask a professional at JGS Insurance. We can help you understand what umbrella insurance will cover in your particular case.

Who Needs Umbrella Insurance? Why?

Everyone can benefit from an umbrella insurance policy, but certain people are more at risk of lawsuits than others. If you relate to any of the circumstances detailed below, it is a good idea to invest in this extra coverage to protect your assets.

The following is a list of circumstances that may put you at a high personal liability risk:

  • You rent out a property to tenants
  • You host parties or holidays
  • You own a pool, trampoline, pond, or hot tub
  • You own a dog
  • You are a non-profit Director & Office volunteer
  • You employ a housekeeper, gardener, nanny, or other staff
  • You have a teen driver in your household
  • You are a prominent community figure
  • You are a high-profile political figure
  • You manage a family estate or trust

If any of these list items apply to you, consider the peace of mind and other benefits of having an umbrella insurance policy.

Get Your Umbrella Policy Through JGS Insurance

At JGS Insurance, we have been providing private client insurance since 1919, and we dedicate ourselves to providing each client with a comprehensive private liability insurance program. Whether you’re here with us in New Jersey or across the country, we can help you with your umbrella insurance policy.