Umbrella Insurance
Agency in Billings, MT

You hire domestic help such as a nanny, caregiver, gardener, and housekeeper. Protects far wrongful acts, discrimination, wrongful discharge of service, caterers, decorators, and repairmen.

You own a second home which is an additional exposure far liability.  Renting may add additional liability risk.

Your good dog has a bad day! 1/3 of homeowner claims are due to injuries by a dog.

You have a long commute each day. More of a risk to be in an accident.

You coach a youth sports team. Most leagues provide little liability coverage for a coach.

You are on a Non-Profit Board. Do you have liability coverage for bad decisions, libel, and slander while acting on the Board?

You own a trampoline. Law considers a trampoline an attractive nuisance. Per court decisions, 75 per­ cent of the injuries incur when more than one person is jumping at a time.

You have a swimming pool. Causes uninvited guests, drownings, may be unsupervised, pool parties with drinking which results in great risks.

You are a Party Hearty Person resulting in DUl’s and fighting. Entertaining brings all types of risks as a social host.

You don’t choose your words wisely on Facebook, Twitter, YouTube, etc. which results in libel and slander liability claims. Can be responsible for what your minar children say on social media. Most suits involve 12 year old girls at slumber parties!

You have a Teenage Driver!! Your sons and daughters are inexperienced drivers. Often, they drive too fast and text while driving.