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Carver Insurance Group

212 Broadway Street, PO Box 290, Carver, MN 55315
Phone : 952-448-4580
Fax : 952-448-7825
Email :

Umbrella Insurance

Insurance Beyond your Liability Limits!

An umbrella policy is aptly named as it covers you from the elements and is an extra coverage. An umbrella policy offers additional liability coverage, and while it is not for everyone, there are certain situations where it is a great idea. Carver Insurance Group can help you get the umbrella coverage you need.

What does Umbrella Insurance do?

An umbrella policy covers you beyond the liability limits of policies you already have and protects you from catastrophic lawsuits. This is good for people who are close to retirement and have a large amount of money set aside. It is also good for people who have a lot of assets to protect regardless of age, as a plaintiff's attorney can garnish your future earnings.

If you have a car insurance policy, you may have coverage that offers $250,000 liability coverage. If you are in a terrible accident and are at fault, you could be on the hook for a lot more than that. If you were in an accident with that policy and had a million dollars in damages, you would have to pay $750,000. That is where an umbrella policy would cover above the 250k.

It also covers you if you are sued. There are lawsuits where people who have been harmed are awarded multi-million-dollar settlements. With an umbrella policy, you would be covered for that settlement as well as legal fees. It can also cover you if you are sued for libel or slander.

Stop by Carver Insurance Group, either in person or online, to see if an umbrella policy is right for you and your family. We can help Minnesota residents find the policy that best fits their needs and situation. We can also help existing customers update their coverage when their situation changes.

Partner Carriers

  • AAA - Auto Club Group
  • Allstate
  • Auto Owners
  • Badger Mutual
  • Dairyland
  • Encompass
  • First Comp
  • Foremost
  • Hagerty
  • Has San Lake Mutual
  • J.C. Taylor
  • Liberty Mutual
  • Main Street America Group
  • Motorists
  • Nationwide
  • Philadelphia
  • Progressive/ASI
  • Ram Mutual
  • Safeco
  • SFM