Umbrella Insurance

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What is Umbrella Insurance?

Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. When an insured is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy up to the limit of the umbrella policy.

Common Situations Protected by Umbrella Insurance

Motor vehicle accidents with excessive physical damage, bodily injuries, or death

Physical damage or bodily injury caused by your dog

Judgments that exceed the limits of your auto or home policies

Slip and fall accidents on your property

Boating Accidents

Swimming Pool Accidents

Slander, libel, and defamation lawsuits

Our family business has been thriving in this industry for over 40 years

As CEO of M&S Insurance agency, Ashley McKoy is a third-generation agent carrying on the family insurance legacy. Her inspiration came from watching her grandfather thrive in this industry. He was a successful owner of one of the top agencies in Manhattan, VP at a life insurance company, and the very first Farmers insurance agency owner in New Jersey. Ms. McKoy is prepared to carry on the legacy of care and professional knowledge, which was passed down to her, making sure that all clients both understand their coverage and are satisfied with their insurance rates to the best of her ability. Her staff are equally equipped and licensed in the field to ensure that client satisfaction remains the top priority, which is key for M&S Insurance Agency! Together their goal is to change the trajectory of the industry by changing the mindset towards insurance; making their office and service both modern, and approachable!

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Send us a message today and we can have you on the easy road to peace of mind. We'll walk you through everything you need to know so you can continue on knowing that you're covered.

  • Head Office Address

    558 Anderson Ave, Cliffside Park, NJ 07010

  • Head Office Address

    +1 (201) 812-7870

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