Umbrella Insurance in Colorado Springs is Designed to Protect your Wealth


A personal umbrella provides additional liability in case you exhaust your liability coverage on both your home and auto policy. Below are a few examples of losses

  • Someone slips down your stairs.
  • You or your teenage driver is at fault in a car accident.
  • A guest suffers an injury in your pool.
  • A neighbor falls off a swing or trampoline in your backyard.
  • Your dog bites somebody.
  • Activities on Social Media. Someone sues you for libel, slander, invasion of privacy, or defamation.

Not every lawsuit ends in judgments and compensation. However, whether you’re legally liable for damages or not, any legal action taken against you can pose a serious financial risk.


Owning a small business is the American Dream. A Commercial business policy will provide liability coverage but what happens if an accident exceeds the limit. A Commercial Umbrella policy can provide additional liability to protect what you have worked so hard for.


She looked away for just a minute.

A babysitter was playing with a 5 month old infant in a walker but walked away for a moment. The infant toppled the walker, struck her head on the floor and suffered brain damage. The parents of the infant sued the teenage babysitter and her parents. The court awarded the infant’s parents $11,000,000.

He thought the pool was deeper.

A 28-year old engineer dove into a friend’s above ground swimming pool struck his head on the bottom and, as a result became a quadriplegic. He sued both the homeowner and the pool manufacturer. The court found the homeowner to be 60 percent responsible and the pool manufacturer to be 40 percent responsible, and awarded $10,000,000.

He forgot to do yearly maintenance.

The insured’s tenant claims she became ill from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and demanded $750,000.

She was frustrated and acted impulsively.

An insured’s daughter hated math class as well as the teacher. The daughter made several “disparaging” and false remarks about her teacher online. The teacher sued the parents for personal injury and $750,000 was paid.

They were only driving a few blocks.

The insured’s 18 year old son was driving the insured’s car on a short trip to the store with his girlfriend. He lost control of the car and struck a tree. The insured’s son told the police that a vehicle cut him off, but there were no witnesses and no evidence of any impact with another car. His girlfriend, a 19 year old college student, was hospitalized for over a month with multiple fractures and internal injuries. She was in a wheelchair but is now able to walk with crutches and continues with physical therapy. She has a right drop foot as a result of the injuries. The insured’s personal umbrella policy limit was paid.


Minimum expectations shouldn’t cost an arm and a leg.

We're Here To Help

Let us help take the mystery out of choosing the right level of umbrella coverage. Our goal is to not confuse you... A good rule of thumb is to safeguard your net-worth and your income. For example, if you are worth $1M, we can run quotes at $1 to $2M of coverage to safeguard your growing net-worth.

Technology at your fingertips

Register your umbrella policy online or through our mobile app to make it easy to pay your bill, make a change or view your policy. No need to wait until the office opens for you to get what you want, when you want it.

Maximize your discounts

Its simple... The more you bundle the lower your costs while extending coverage to all of your personal risk exposures. For example, you own a home that rent out as a long term rental. Let your umbrella policy extend coverage over the base policy to help protect what you have worked so hard for.

24/7 Claims

You can file a claim 24/7. Our best in class claim services will help guide you through your loss.


World Wide Protection

Cause an auto accident in Italy? A Personal Umbrella policy covers liability claims wherever they occur.

An Umbrella Policy Helps Fill The Gaps

Your existing Auto, Home, or Renters policy might not cover lawsuits filed against you for libel, slander, or defamation of character, while an Umbrella policy will.

Can I Customize The Amount Of Coverage That I Need?

Yes! We can help you design the right coverage to protect your growing lifestyle. Personal umbrella policies include coverage for defense costs and attorney's fees associated with claims against you.

Life Is Unpredictable

As much as you plan, a catastrophic loss would easily exhaust any auto or home liability policy. An umbrella policy simply adds more liability to protect what you have. You don't have to be a millionaire to be sued.


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