Protect yourself from the storm of legal liability with an umbrella policy.

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You carry liability coverage on your home and auto policies so why do you need Umbrella Insurance? Personal Umbrella Insurance provides additional liability coverage beyond those limits. Policies can be different by state and by the insurance company so be sure to go through the details with a professional.

Uninsured Motorist coverage is another reason to consider an Umbrella policy.  You may have the option to increase this coverage on the auto policy to 1 million dollars!  There are a lot of uninsured drivers in both Oregon and Washington states.  The latest statistics say 12.67% in Oregon and 17.4% in Washington drive uninsured.

Personal Umbrella policies are just that – personal. The activities and pursuits of a business are often excluded on a Personal Umbrella. Business activity requires a Commercial Umbrella policy and we can help you find the best policy for your business.


It seems that every day on the news we hear about someone suing for something. What could happen that would cause you to be sued?

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

 If you are a parent or you drive in a carpool, an umbrella policy should be considered. Driving home with many people in the car can make you responsible for their injuries. Imagine the cost of medical bills for five people in a horrific accident.


Let’s assume you have an umbrella policy for 1,000,000 dollars and underlying auto liability of $500,000. Tragically, you have an at-fault accident with five people in the car, and the amount of damages comes out to $1,200,000.

Fortunately, you are covered in this accident. The underlying auto policy would pay out the $500,000, and the umbrella would make up the difference up to the $1,000,000 mark.

One single accident can change your future for a lifetime. 

Contact us today to see if an Umbrella is right for you.


My experience with Lucas has been excellent. He and the folks on his staff have always followed up and followed through taking the time to make sure I have all of the information that I need to make good decisions and looking out for my interests. Often times, going above and beyond compared to my experience with other agents / companies. Would highly recommend.

 -James Munson