Umbrella Insurance in California

Biddle-Shaw Insurance Services, Inc. was established nearly 80 years ago as a full-service insurance agency in San Francisco, CA. Our decades of experience have taught us to build long-lasting relationships with our clients, by gaining a superior understanding of their insurance needs. From our perspective, every situation presents a distinctive insurance challenge.

How California Umbrella Insurance Protects You

Umbrella insurance provides additional protection, for relatively little cost. In actuality, it protects your assets and preserves your future.

Umbrella insurance provides additional liability coverage above the typical limits offered by an insurance policy. For example, an auto insurance policy limits how much it will pay in the event of an accident. A California homeowner’s policy has limits as well. Umbrella insurance provides coverage when you reach the standard limits of your current policies.

As of late, California residents have been consistently reminded: One cannot predict the next catastrophic event. To prepare for these potential losses, contact Biddle-Shaw Insurance Services, Inc. about an umbrella insurance policy to augment your current coverage. However, the insured must maintain certain fundamental liability limits before an umbrella policy is written.

Knowing your Umbrella Insurance Situations

Umbrella insurance has been designed to cover the obscure “what if’s” you encounter in life.

• What if your dog bites someone ?
• What if you are involved in an auto accident that totaled an expensive car and severely injured three people ?

Most homeowner or auto insurance policies wouldn't necessarily cover these costs, but a personal umbrella insurance policy could. Umbrella policies typically start at liability limits of $1 million, or more. These policies begin when you reach your existing policy limits. They may even cover losses that would otherwise be denied.

Contact Biddle-Shaw Insurance Agency in San Francisco

People typically choose to buy an umbrella policy because they want to prevent the possibility of financial devastation due to a misstep or an unforeseen accident. An agent can help you with simple or complex insurance scenarios. Reach out to our staff in San Francisco, CA or Call (415)-586-7200 to learn more about how an umbrella policy can benefit you. We can answer your questions and address your concerns.