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8582 W Colfax Ave
Lakewood, CO 80215

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Umbrella Insurance in Colorado

Your home, watercraft, and auto insurance policies provide liability protection if an accident or theft occurs. There are times when your coverage isn’t enough to repair or replace your property. You may need umbrella insurance to make sure you’re fully covered.

What is Umbrella Insurance?

If someone is hurt on or by your property, you could be found liable and need to pay large sums of money for medical bills and lost possessions. Your primary insurance policies will only cover a certain amount of loss. An umbrella policy will pay for damages above your primary policies’ limits, thus protecting you from financial devastation.

An umbrella policy protects your future assets as well as your existing property. If you were found liable for loss or damage today and won the lottery tomorrow, some of your winnings could belong to the injured party. An active umbrella policy protects your future earnings by paying your full liability amount.

These are designed to be secondary policies; the deductibles are usually very high. A high deductible means you pay a small premium for a significant amount of extra protection. However, the primary policies usually cover the principal amount.

Not sure how much protection you need? If you’re in Colorado, discuss your circumstances with the professionals at Premier Group Insurance in the Lakewood, CO area.

Who Needs Umbrella Insurance?

Everyone can benefit from an umbrella policy.

  • The state of Colorado suggests that small business owners use these policies to protect all their valuable assets.
  • Medical professionals, construction contractors, academic administrators, and others employed in jobs with a high risk of legal action.
  • Families that own more than one home.

Do you have enough coverage? Contact the experts at Premier Group Insurance to make sure all of your important assets are fully protected. Visit us online, or at our offices in the Lakewood, CO area.

Give us a call if you live in Colorado, Arizona, California, Florida, Iowa, Minnesota, Nevada, or Texas for all your insurance needs.

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Servicing these States

Our Partners
  • Allied/Nationwide
  • American Summit
  • Appalachian Underwriters
  • ASI
  • BTIS
  • Dairyland auto and cycle
  • Foremost auto
  • Hallmark
  • Kaiser
  • Kemper Preferred
  • Kemper Specialty
  • Legacy
  • Liberty Mutual Commercial
  • Mendota
  • MetLife
  • National General
  • Pacific Specialty
  • Personal Umbrella
  • PGAC
  • Progressive
  • Safeco
  • Safeway
  • State Auto
  • The General
  • The Hartford
  • Titan/Victoria
  • Travelers
  • Universal Property
  • USLI