Umbrella Insurance

Extra protection when life takes an unexpected turn.

Umbrella insurance adds a critical layer of liability coverage beyond your standard auto, home, or business policies. At Pennsylvania Insurance Specialists, we help individuals and business owners stay protected from major claims and lawsuits—without overpaying.

Why Consider Umbrella Coverage?

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Sometimes, accidents go beyond what your regular policy limits can handle. If you’re found liable in a serious car accident or someone is injured on your property, an umbrella policy helps cover legal fees, medical bills, and settlements that exceed your base coverage.

Flexible Coverage for Individuals and Businesses

Umbrella insurance can be added to personal or commercial policies. Whether you’re a homeowner, landlord, small business owner, or just want peace of mind, we’ll help you find the right amount of extra coverage to reduce your financial risk.

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Get a Free Umbrella Insurance Quote

Let’s make sure you’re protected from the unexpected. We’ll show you how affordable extra coverage can be.


Call (724) 238-2378 or request your free quote today.

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Umbrella Insurance FAQs

  • Who needs umbrella insurance?

    Anyone with assets to protect—or higher exposure to liability—can benefit. It’s especially helpful for business owners, landlords, or households with teenage drivers or frequent guests.

  • How much coverage does an umbrella policy provide?

    Umbrella policies typically start at $1 million in coverage and can go much higher, depending on your needs.

  • Does umbrella insurance cover everything?

    No—while it covers many liability scenarios, it doesn’t include personal property damage, intentional harm, or business risks unless explicitly included.

  • Is it expensive?

    Umbrella insurance is often surprisingly affordable, especially considering the amount of coverage it provides. We’ll help you weigh the cost and value.