Umbrella insurance is not a requirement by law for people residing or doing business in Maine, New Hampshire, and Vermont, yet it is an investment many choose to make for the protection it can offer.
Depending on your lifestyle, you may need more financial surety than your standard policy coverage can provide. Umbrella insurance is meant to work alongside an existing policy and will typically have significantly higher caps.
After experiencing a covered peril, your primary indemnification will need to be completely exhausted before your umbrella insurance is applied.
It is helpful to sit down with a qualified Gateway Property & Casualty representative to review your current limits and ascertain where additional coverage could be beneficial. Umbrella insurance types can include all varieties of commercial insurance, and it also extends to automobile indemnification and homeowners.
Umbrella insurance also benefits from including subcategories of protection in a more broadly written primary policy. For example, if you have costly valuables in your home that would be difficult to replace, you may want to consider umbrella insurance. Auto accidents often exceed policy limits and are an excellent area to purchase extra insurance.
Business owners may benefit from the sheer array of protections to safeguard their companies in case of lawsuits or injuries from their products. Advertising errors are a hazard entrepreneurs may face, which can come in the form of typographical mistakes or unintentionally misleading statements.
Let Gateway Property & Casualty meet your umbrella insurance needs. We offer individualized advice based on your specific scenario and can tailor our insurance products and services to meet your criteria.
Stop by our office to discuss this more, and you can also visit our website to use our free rating tool to obtain a quote on homeowners or automobile insurance. We provide insurance solutions for Maine, New Hampshire, and Vermont residents.
I’ve worked with Tracy on a couple of policies and the experience each time has been so easy. I was able to give her most of the information she needed via email, and we had a couple of quick conversations on the phone, but she really makes an effort to make the process simple and convenient.
- Lisa L.
While attempting to maneuver through the myriad of insurance agencies, I inadvertently found myself entangled in a serious situation associated with insuring my assets. Contacting Brian (Arsenault) of Gateway Property and Casualty and explaining the situation, he immediately developed a plan, took action on that plan, and had an acceptable solution that same day. So, if you are seeking a new insurance carrier, or desire your current policy to be assessed, I strongly recommend pursuing Brian Arsenault of Gateway Property and Casualty Insurance. I believe you will be very impressed with his professional manner, courtesy, can-do attitude, and vast knowledge of the insurance industry. He is just waiting to welcome you in as a member of the family.
- Tom S.
Brian was great to work with, very relaxed and gave us peace of mind with the coverage we transitioned to. Wish we had done it sooner
- Caleb V.
Excellent Service...shout out to Tracy Thibeau!
- Debbie T.
Our Gateway agent is always available to explain, advise and answer questions. We feel secure that we have obtained all the coverage we need at affordable cost. We are grateful to be supported by such skilled professionals and would enthusiastically recommend Gateway to others.
- Stephen K.
Tracy always has me covered. Usually when I have to make phone calls for the " Adult" part of life, I dread it but when I need anything insurance related I always feel a little excited because talking with Tracy is like catching up with a friend. She has made everything I need to do super easy and is always looking out for us and our policy. Honestly, Tracy and her team are the best insurance agents I've had, and I've gone through a few. Thank you so much Tracy for being so helpful and on top of whatever comes up for me and my family. We truly appreciate you !!!