Umbrella Insurance


Picture this — you’re driving your kids home from school when they start arguing. For what feels like a split second, your attention shifts from the task at hand to what’s happening in the backseat. The next thing you know, you’ve run a red light, slammed into oncoming traffic, and are in a pileup with two other vehicles. Both cars you’ve hit also have multiple passengers. You’re thinking ‘this is why I have auto insurance, but every policy has its limits and if those limits are met, could you afford to pay for the remaining damages out of pocket? If the passengers require medical attention or experience loss of income because of an at-fault accident, you could be talking about millions of dollars in bills and legal fees. This is where Umbrella coverage comes into play.

A Personal Umbrella Insurance Policy is excess coverage that you can purchase in addition to your homeowners, condo, renters or auto insurance policy. It is added protection in the event that a covered loss exceeds the limits of your policy. Umbrella Insurance will also cover you for things like libel and slander.

For most, an umbrella insurance policy is not only a wise investment but also an affordable one. Umbrella Insurance can provide an extra $1 million or more of liability protection for around  $150-$200 a year — or the cost of a cup of coffee a week!

Here at Doherty Insurance, we have seen that the unexpected can happened to anyone. But for those with added risks and exposures, we highly recommend speaking to your local insurance agent about this additional coverage. For example, owning a pool, trampoline, boat, motorcycle, or dog are all things that increase your likelihood of an accident.

You don’t always use an umbrella, but you always hope you have one when it’s raining. The same is true for Personal Umbrella Insurance — we hope your days stay sunny and bright, but when it starts pouring, we want you to be protected. So skip the latte and buy yourself peace of mind by protecting the things that matter most with Umbrella Insurance.

Do you have more questions about Umbrella Insurance or want to know if this coverage is right for you? We are here to help. A Doherty Insurance agent would be happy to go over the details of your current policy with you. Give us a call at 978-475-0260 or if you’re in Andover, feel free to stop by our office at 21 Elm Street.


Doherty Insurance Agency
21 Elm Street
Andover, MA. 01810
Telephone: 978-475-0260
Fax: 978-475-0303