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Home > Personal Umbrella Insurance - Clinton TN & Knoxville TN - ISG Insurance

Personal Umbrella Insurance


Personal Umbrella Insurance Information

Personal Umbrella Insurance in Tennessee


Most of your personal insurance policies will include liability coverage of some form. However, if you want higher liability benefits than your standard policy will provide, then you should consider investing in an umbrella liability policy. It guarantees that you will have quality, far-reaching benefits available even in cases of significant liability claims.  

ISG Insurance, LLC is trusted by clients throughout Clinton and all of Tennessee to get them customized insurance benefits that will always make their futures secure. You can trust us to help you get coverage that will be affordable, versatile and ready to go to work for you when you need them.  

Call us at 865-457-9907 or request your free, no obligation quote now!  

Common Umbrella Insurance Questions  



What is umbrella insurance?  

A standard liability insurance policy will offer you protection if you have to take responsibility for harm you caused to another person. For example, if you cause a car wreck, then your auto liability policy will pay for damage or injuries that the accident caused another driver.  

However, all standard liability policies will only pay up to certain limits. If a claim exceeds that limit, then you could face a scenario where you might have to cover remaining third-party costs out of pocket. That’s where umbrella insurance can come in handy. If you have umbrella liability insurance policy, then you can file a claim against that plan for the residual value remaining in the third party’s claim. 

What does an umbrella liability policy cover?  

With umbrella insurance, you create a mechanism to settle your differences with others, without subjecting yourself to a significant financial strain. You never know when a liability claim will exceed your policy’s limits, but umbrella coverage can help you be prepared for anything. 

A single personal umbrella policy can be used in conjunction with numerous policies at the same time, including:  

  • Auto insurance  

  • Homeowners insurance  

  • Renters insurance  

  • Boat insurance  

  • Motorcycle insurance  

  • RV insurance  


To use this plan, you would first have to file a claim against your standard liability policy. Once that policy has maxed out its benefits, you can turn to your umbrella policy to cover the difference.  

Most policies will offer at least $1 million in additional protection, and many will cover liabilities that aren’t covered at all by your basic policies.   

Why do you need umbrella insurance?  

By getting a personal umbrella policy, you’ll open yourself up to a significant amount of additional protection. The benefit of having this plan is that you might never know you need it until you do.  

Suppose that you have homeowners insurance with a liability limit of $500,000. However, a neighbor falls down your steps, sustains a severe injury and sues you for $2 million worth of medical bills, lost income and other damages. That’s a $1.5 million difference between what you owe this neighbor and what your homeowners liability policy is going to pay. You can turn to your umbrella policy to cover the difference.  

When should you get umbrella insurance?  


There’s no time like the present to get an umbrella policy. They are affordable, flexible and easy to integrate into your personal insurance portfolio. In the end, you’ll be glad that you have this benefit if the need ever arises where you have to use it. 

What does commercial umbrella insurance cost?  

Numerous factors can influence the cost of your commercial umbrella policy, but most are highly affordable and easily integrated into your overhead budget. We’ll work with you to understand both your coverage and price objectives, so that we can offer you only the best coverage options from within our carrier network. 

To get your policy, just contact ISG Insurance, LLC today. Our commitment is to keep you as financially secure as possible following challenging losses, and we’re here to help you make sure your umbrella liability policy provides you optimized protection at all times. 
Contact us
865-457-9907 499 S. Charles G Seivers Blvd. | Clinton, TN 37716
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499 S. Charles G Seivers Blvd.
Clinton, TN 37716
P: 865-457-9907
F: 865-463-8090



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