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Pacati Insurance Group

6066 Leessburg Pike
Suite 440
Falls Church, VA 22041

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Virginia Umbrella Insurance Coverage

Umbrella Insurance

Like most people, you probably have a home, auto, or health insurance policy. If you own a business, you may even have commercial coverage to protect your company against financial loss. Even with this protection, your financial assets could be at risk due to broad liability claims or lawsuits. Umbrella insurance extends your liability coverage to protect you against these risks and more. Here’s how an umbrella policy from Pacati Insurance Group can work for you.

How Umbrella Insurance Works

Umbrella insurance provides extra liability protection above the limits of your home or auto liability coverage. It works in conjunction with your home and auto liability insurance to protect you from financial loss. Liability is the type of coverage that protects others at home or in auto accidents you cause. Umbrella insurance kicks in when your primary liability coverage has been exhausted.

What Umbrella Insurance Covers

Umbrella insurance can cover a variety of mishaps ranging from auto collisions to pool accidents to severe dog bites. If your neighbor slips on the ice in your driveway and breaks their collarbone, their medical bills could exceed the limits of your home liability coverage. If so, umbrella insurance will pay for excess costs.

If you’re held liable for an auto crash and damages exceed your auto liability limits, umbrella insurance will cover the remaining costs. If the other driver sues you for damages, umbrella insurance will cover your legal fees and settlement, up to the limits of your policy. Your umbrella policy also covers liability claims for slander, libel, and defamation of character.

Who Can Benefit from an Umbrella Policy?

If you own or rent property, run a business, or have substantial financial assets in the Mid Atlantic area, you can benefit from umbrella coverage to protect you against broad liability claims or an unforeseen lawsuit that can deplete your assets.

To learn more about umbrella insurance or to obtain an umbrella policy, talk to your Pacati Insurance Group agent today.

While our office is located in Falls Church, VA, we service clients all over Virginia, Maryland, Pennsylvania, and DC.

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Servicing States

  • Virginia
  • Maryland
  • DC
  • Pennsylvania

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

Partner Carriers

  • Aetna
  • Allstate
  • Anthem
  • Cigna
  • Kaiser Permanent
  • Liberty Mutual
  • MetLife
  • Mutual Of Omaha
  • National General
  • Nationwide
  • Progressive
  • Tapco
  • The Hartford
  • Transamerica
  • Traveler
  • United Health