top of page

Umbrella/Excess Liability Coverage

RNI Financial offers umbrella and excess liability insurance to provide increased insurance protection above and beyond your auto and home insurance liability limits.  Not only is life unpredictable, but society has become extremely litigious.  Umbrellas provide additional liability coverage when you need it most.


If you own a house and have a retirement account or other investments, an umbrella policy should be a part of your financial plan and a step towards protecting your wealth.  Even if you haven’t yet acquired significant assets, an umbrella is a wise and affordable option to consider, since a lawsuit against you could also jeopardize your future earnings.  Some key benefits of Umbrellas are:

  • $1 million to $10 million of liability coverage to protect your assets including your home, auto, income and other investments.  (Higher limits available if needed.)

  • Personal injury coverage for claims including slander, defamation of character and invasion of privacy.

  • May also provide coverage to pay for legal costs.


Umbrella Insurance & Excess Liability Coverage Protection Examples 


A young driver, driving a friend’s uninsured vehicle hits a passerby resulting in a severe head injury.



An individual visiting your home slips on the sidewalk and files a claim.



While entertaining guests with a boat ride, the driver of the boat accidentally crashes into a wall injuring everyone on the boat.

bottom of page