Proudly Serving Atlantic Canadian Communities Since 1944 - Learn More

Proudly Serving Atlantic Canadian Communities Since 1944 - Learn More

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Proudly Serving Atlantic Canadian Communities Since 1944 - Learn More

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Umbrella Insurance in NS, NB & PEI

In today’s world, three things can work against you financially:

  1. It costs nothing to initiate a lawsuit.

  2. Juries and judges are unpredictable.

  3. Defending yourself can cost enormous sums of money.

If standard insurance is for a rainy day, umbrella insurance is for a full-blown storm. This type of policy provides additional liability coverage that sits on top of your auto, homeowners, or renters insurance. Despite the extra protection it provides, umbrella insurance is generally very affordable.

What Umbrella Insurance Covers

Umbrella insurance extends liability protection beyond the limits of your existing policies. This added protection ensures that your assets are safeguarded in case of major accidents or claims. It can also be customized to cover “toys” and recreational vehicles, including:

  • Boats and personal watercraft

  • Motorcycles and ATVs

  • Snowmobiles

  • Motorhomes

How Umbrella Insurance Works

Umbrella insurance “sits” on top of your existing liability coverage. For example: Suppose your auto policy has a per-person liability limit of $1 million. If you cause an accident in which a driver or passenger is awarded $1.5 million for injuries and lost income, your auto policy would cover the first $1 million. Your umbrella insurance would then cover the remaining $500,000, preventing you from paying out-of-pocket.

If you have a claims emergency and need assistance, our after-hours line is always open at 1-800-461-9220.

If you have a claims emergency and need assistance, our after-hours line is always open at 1-800-461-9220.

If you have a claims emergency and need assistance, our after-hours line is always open at 1-800-461-9220.