Umbrella Insurance Coverage

Unica’s Umbrella insurance coverage is designed to increase and compliment the liability limits to your personal vehicle, home and premises and other items insured with Unica.

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Umbrella Insurance Coverage Policy

Understanding Umbrella Coverage

Umbrella Policies may be the most undersold, misunderstood, and most needed coverage on the insurance market.

Umbrella Coverage Highlights

Personal umbrella insurance is a type of insurance designed to add extra liability coverage over and above another insurance policy, such as auto or homeowners insurance.

Additional coverage over primary insurance
Covers certain additional risks which may not be included in your primary insurance, such as a libel, slander, defamation of character, invasion of rights of privacy, and false arrest.
Automobile Liability
Automobile Liability for two automobiles, with the option to increase for additional vehicles.
Personal Liability
Personal Liability for up to two residences.
Watercraft Liability
Watercraft Liability for eligible powerboats, sailboats and other watercraft.

Transparent.
Trustworthy.
Reliable.

At Unica, we’ve built our reputation by putting people first. We’ll handle your claim as quickly and as worry-free as possible.

They got everything right!

When a leak caused chaos just before a planned trip, Unica’s Road Adjuster stepped up to answer the call.
Pixie C. | Toronto

Do you need Umbrella Coverage?

Judgments amounting to thousands or even millions of dollars are being awarded by courts across the country in ever-increasing numbers. If you accidentally injure someone or damage their property, you could be the one being sued. Even though your underlying policies may provide substantial liability limits, it is not uncommon today for courts to award damages that exceed those limits.

Someone slips and falls around your swimming pool. A young child is seriously injured by falling off a trampoline in your yard. Your teenage son has a serious car crash, disabling someone for life. When something drastically goes wrong, a personal umbrella policy can help cover the additional costs when your standard insurance policy isn’t enough.

Unica’s Umbrella insurance coverage is designed to increase and compliment the liability limits to your personal vehicle, home and premises and other items insured with Unica. While not mandatory, umbrella policies are available in million-dollar increments, from $1 to $10 million and offer increased protection in the unfortunate event of an accident. Contact your insurance broker to learn more about this crucial insurance protection.

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Umbrella Liability Insurance: More than just Excess Liability coverage

An Umbrella policy is a form of liability insurance which protects the Insured for claims in excess of primary policies and for some losses and coverage that are excluded under their primary policies. The term “umbrella” suggests that it’s a...
Read article - Umbrella Liability Insurance: More than just Excess Liability coverage