Umbrella Insurance
An umbrella policy builds on protection you already have with Forward Mutual, giving you an extra limit over and above other policies and offering better protection for your assets. You can add extra liability protection of $1 million or more (limits up to $5 million are available).
Forward Mutual offers two different umbrella programs, Personal and Farm. Each program is flexible to provide the necessary coverage for your unique insurance needs.
An umbrella may not cost much, but the protection could be priceless.
It's all part of our Personal Attention…Peace of Mind.
Personal
Umbrella insurance is extra liability insurance. This type of policy is designed to protect you from major claims and lawsuits and thus it helps protect your assets and your future.
Consider a personal umbrella policy if you:
- Have teenage drivers or travel extensively.
- Like to entertain in your home.
- Have a dog.
- Have a swimming pool.
- Own watercraft (i.e., a boat).
- Own an off-road vehicle.
- Own a rental or vacation property.
- Participate in volunteer activities.
Example of a personal umbrella policy
If you have $300,000 of liability coverage provided by your Home-Guard® policy and you purchase a Personal Umbrella policy with a $1 million limit, you could have up to $1.3 million in potential coverage from a covered cause of loss.
Plus, we offer other options for even more protection.
Optional Coverages
- Uninsured motorists
- Underinsured motorists
- Uninsured watercraft
- Underinsured watercraft
- Additional insured
- Business activities coverage
Farm
When you’re up before the dawn and don’t stop working until after dark, the last thing you want to think about is having a lawsuit occur. Unfortunately, accidents happen. Farm umbrella coverage can help you deal with costly farm liability claims. It’s a simple, low-cost way to help protect yourself and your family from life-altering events.
Consider a farm umbrella policy if you:
- Have assets you need to protect.
- Operate farm machinery on public roads.
- Own livestock.
- Have a dog.
- Have a swimming pool.
- Own watercraft (i.e., a boat).
- Own an off-road vehicle.
- Own a rental or vacation property.
- Participate in volunteer activities.
Beyond current coverage
With this policy, you will have an additional limit of liability protection of $1 million or more—and limits up to $5 million are available. A Farm Umbrella policy builds on protection you already have, giving you an extra limit over and above other policies.
Here's an example. If you have $300,000 of liability coverage provided by your Farm-Guard® policy and you purchase a Farm Umbrella policy with a $1 million limit, you could have up to $1.3 million in potential coverage from a covered cause of loss.
Plus, we offer other options for even more protection.
Optional Coverages
- Uninsured motorists
- Underinsured motorists
- Uninsured watercraft
- Underinsured watercraft
- Additional insured
- Business activities coverage
Additional coverage options are available for
- Custom feeding
- Confined animals
- Non-owned livestock
- Need for contractual coverage
- Physical damage to property of others
The insurance coverages defined are just part of the included and enhanced coverages you can add to your farm policy to protect every aspect of your farm’s liability.