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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
About M&S Insurance Agency
At M&S Insurance Agency, we believe insurance should be personal, professional, and powerful. For over a decade, we’ve helped individuals, families, and business owners protect what matters most with clarity, confidence, and care. Our agency combines deep industry knowledge with a modern, client-first approach that sets us apart. We specialize in auto, home, life, health, and commercial coverage—customizing every policy to fit your lifestyle, goals, and future plans. Whether you’re building generational wealth, launching a business, or simply securing peace of mind, we’re here to guide you every step of the way.
- Save Money
- Detailed Service
- Flexible Insurance
- Brokers, Better Rates
- Investment Planning
- Professional Advisor
Get A Free Quote
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
+1 (201) 812-7870
Mail Us For Information
quote@msagencyinsures.com