What is umbrella insurance?

Umbrella insurance provides additional liability coverage beyond the limits of your home, auto, or business insurance. For example, if you have $300,000 in auto liability and face a $1 million lawsuit, a $1 million umbrella policy would cover the $700,000 gap. It's affordable extra protection for Greensburg PA residents with significant assets.

How much does umbrella insurance cost?

Umbrella insurance is very affordable in Greensburg PA. A $1 million umbrella policy typically costs $150-$300 annually, with each additional million costing $50-$100 per year. It's one of the most cost-effective insurance purchases, providing substantial protection for minimal cost.

Who needs umbrella insurance?

Anyone with assets to protect should consider umbrella insurance. This includes Greensburg PA homeowners, high-net-worth individuals, business owners, landlords, and those with significant savings or retirement accounts. If you could be targeted in a lawsuit, umbrella coverage protects your assets.

What does umbrella insurance cover?

Umbrella insurance covers liability claims beyond your underlying policies, including bodily injury, property damage, personal injury (libel, slander), legal defense costs, and some claims not covered by primary policies. It covers incidents at home, in your vehicle, or anywhere you're found legally responsible in Greensburg PA and beyond.

Professional Umbrella Insurance Services in Greensburg, PA | Westmoreland County

Protect your assets with additional liability coverage beyond your primary insurance policies. We help families and businesses throughout Greensburg and Westmoreland County secure comprehensive umbrella protection.

Comprehensive Umbrella Insurance Coverage in Greensburg, Pennsylvania

At TNR Business Solutions, we specialize in providing comprehensive umbrella insurance coverage for individuals and businesses throughout Greensburg, Pennsylvania and the surrounding Westmoreland County area. Our experienced insurance professionals work with over 200 top-rated insurance carriers to find you the best umbrella insurance rates and coverage options that provide additional protection beyond your primary policies.

We understand that your primary insurance policies have coverage limits, and a single lawsuit or major claim could exceed those limits, leaving your personal assets vulnerable. Our comprehensive approach includes everything from personal umbrella policies to commercial excess liability coverage, ensuring you have the right additional protection for your unique situation and risk profile.

During the consultation process, we focus on understanding your current insurance coverage, assets, and potential liability exposure to recommend the most appropriate umbrella coverage options. This includes everything from coverage limits and policy terms to additional endorsements and specialized protection for high-net-worth individuals and businesses.

Umbrella Insurance Coverage Options

Personal Umbrella

Additional liability protection for individuals and families beyond your auto and home insurance limits.

Excess liability coverage
Worldwide protection
Defense cost coverage
Personal injury protection

Commercial Umbrella

Additional liability protection for businesses beyond your general liability and commercial auto limits.

Excess general liability
Employment practices coverage
Directors & officers protection
Professional liability excess

High-Value Umbrella

Specialized umbrella coverage for high-net-worth individuals with enhanced protection features.

Higher coverage limits
Uninsured motorist excess
Defamation coverage
Landlord liability excess

Excess Liability

Additional coverage that kicks in after your primary policies reach their limits.

Drop-down coverage
Gap coverage options
Self-insured retention
Aggregate limits

Professional Excess

Additional protection for professionals beyond their errors and omissions coverage.

Medical malpractice excess
Legal malpractice excess
Architect/engineer excess
Technology errors excess

Excess Auto

Additional auto liability protection beyond your personal or commercial auto limits.

Bodily injury excess
Property damage excess
Uninsured motorist excess
Hired/non-owned excess

Why Choose TNR for Umbrella Insurance?

Our Advantages

Local Expertise: We understand Pennsylvania liability laws and Westmoreland County risk factors
Multiple Carriers: Access to over 200 insurance companies to find you the best umbrella rates
Personalized Service: We work with you to customize coverage that fits your assets and lifestyle
Claims Support: Local assistance when you need to file a claim or manage risk
Bundle Discounts: Save money by combining umbrella with your existing policies

Umbrella Insurance Benefits

Additional liability protection
Defense cost coverage
Worldwide coverage
Gap coverage options
High coverage limits
Flexible policy terms
Competitive rates
Easy claims process

Pennsylvania Umbrella Insurance Considerations

Liability Risks

High-value property exposure
Recreational vehicle liability
Swimming pool accidents
Dog bite incidents

Coverage Needs

Minimum underlying limits
Gap coverage options
Self-insured retention
Aggregate limits

Serving Individuals and Businesses Throughout Westmoreland County

Greensburg
Latrobe
Mount Pleasant
Scottdale

Irwin
Jeannette
Murrysville
Penn

Monessen
New Kensington
Vandergrift
Arnold

Ligonier
Derry
Youngwood
And surrounding areas

Protect Your Assets Today

Get a free umbrella insurance quote and ensure your assets are protected beyond your primary policy limits.

Get Free Quote Call (412) 499-2987