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Auto & Umbrella Coverages

FREE 10 Minute Policy Review
I offer a free, no obligation review of your policies. It takes about 10 minutes. This is very important as you affect so many lives daily and it is your responsibility to protect your clients. Think of the alternative - What if you were not adequately protected!

AUTO Policy

Why do I need coverages more than usual?
You will be carrying lots of clients in your car that you are responsible for. You may cause and accident or someone may hit you. Check with your office as they will most likely have minimum requirements.

You never know what type of medical coverage your clients have and remember, nothing is usually paid till the claim is settled.

Ask yourself this question - When I drive, am I real busy looking at directions, printouts,... :-) You have an obligation to carry these coverages.

Minimum Recommended Coverages
Bodily Injury: $250,000 per person/$500,000 per accident
Property Damage: $100,000

Uninsured Motorist: $250,000 per person/$500,000 per accident
Underinsured Motorist: $250,000 per person/$500,000 per accident
Medical: $5,000 - Pays immediately no matter who's fault the accident is. You may have clients in your car that have high medical deductibles.

Umbrella Policy

Why do I need an umbrella policy?
An umbrella policy will extend your liability 1-5 million dollars depending on the amount of assets and future earnings you have to protect.

An umbrella policy covers your autos, home, boats, and rental properties. If there is a liability claim on any of these policies that cause them to pay out the maximum, the umbrella then kicks in up and beyond to the limit of the umbrella policy.

Want to figure out your earning potential? Take the number of your remaining work years and multiply it by what you receive as your average gross income.

In general, all your future earning potential combined with your assets is what what you have at risk.



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