The Essex Agency is your local representative to larger personal umbrella policy companies.

We’re local people that care about your future.

     Contrary to popular opinion, a personal liability umbrella isn’t just for the wealthy. While you may not feel like a high net worth person who is a target for a lawsuit, the reality is that the more insurance policies you have, the more exposures and liabilities you are protecting. Whether you are involved in an accident, have a swimming pool, an ATV, or even have vacant land – your liabilities stack up, and a personal umbrella policy helps protect you, your family, everything you have, and will, work hard for. With a personal liability umbrella in place, you add another $1 million dollars or more in protection in the event you are found legally liable for damages caused to someone else.

The benefits of an independent insurance company.

     Save time calling around when you allow us to do the shopping for you! When applying for car insurance coverage, The Essex Agency will research more than a dozen highly rated insurance companies to find the best combination of the coverage you desire, at the best available premium. Contact us today to get your quote!

How to know if you should consider a Personal Umbrella Policy:

You have assets

     Whether your assets consist of cash, savings, retirement funds, home equity, or any thing that adds up to create a tangible value, including your ability to earn money in the future. In the event of a lawsuit, legal teams will add up every asset to determine how much their defendant has to gain from suing you. A personal liability umbrella protects your assets in the event of a lawsuit.

You have liabilities

     Liabilities are all around us and each liability creates opportunities for a lawsuit. In the context of this policy, a liability is any opportunity a person has to blame you for negligence. Vacant land, a vacation home, an RV, a pool, and even your words are examples of liabilities. This policy provides protection over all your exposures, when someone claims that your negligence precipitated an injury.

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To speak with a licensed personal liability umbrella policy representative please call our office at:


Get your personal liability umbrella policy quote started here!