Minnesota Umbrella Insurance

They Want More Because You Have More

In our society, three things work against you:

  • It cost nothing to initiate a lawsuit
  • Juries and judges are unpredictable
  • Defending yourself costs enormous sums of money

One other factor also comes into play. They want more because you have it.

A long time ago, you decided to arrive. You worked hard and got there. As you did, you accumulated possessions. Not an ostentatious amount, but enough to make you and your loved ones comfortable.

You are proud of these accomplishments. In fact, you have protected them with the best insurance you could.

Now you need extra protection, an umbrella insurance policy.

What are your limits on your auto and home liability policies? $300,000? $500,000?

It's not enough.

You get into an auto accident; someone falls into your pool; whatever the fluke occurrence - you can be sued. What if you are sued and the award goes to the plaintiff? Okay, you say, the insurance will cover it. But what if the amount is over the policy limits? (That happens, especially if you have nice things.)

How will you pay the judgment? How will you even defend yourself in such a lawsuit? Can you actually lose all you have strived for?

You bet you can.

You need protection that will rev up after the other policy limits are exhausted. You need Minnesota umbrella insurance protection.

One of the most common statements we hear in the insurance industry from our clients when discussing umbrellas is "I'm not worth that much so I don't need an umbrella" or "that would never happen to me". Well guess what….you don't have to be a wealthy client to be exposed to million plus dollar lawsuits and you certainly aren't exempt from it happening to you. It takes one split second to lose what you've spent a lifetime building.

The next time your client decides they don't need an umbrella or high limits for their protection, please feel free to use a few of these industry-wide large loss examples:



$5MM / Adult son living at home drove his father's car over a median, hit a car with four people in it, and then veered into the sidewalk and killed a pedestrian


$7.725MM / Insured's son DUI / Went through a red light, struck a motorcyclist and caused life-long injuries


$10MM / Insured lost control of car and hit a tree / He was killed and his passenger received burns on over 65% of her body


$5MM / Insured took vehicle out of gear and applied the emergency brake / Left the vehicle to retrieve keys from her house / Vehicle rolled down the driveway and across the street, hitting two 3-year-olds, a 6-year-old and an 8-year-old and all sustained serious head injuries


$10MM / Insured had a heart attack while driving / Crossed the divider, hit another car head on, and all five people involved in the accident were killed


Contact us 1-877-323-3314, a seasoned insurance professional at Insurance Brokers of Mn . Discover how a small cost provides you with gigantic protection.

Insurance Brokers of Mn

At Insurance Brokers of Mn we have provided umbrella protection for people in Minnesota since 1998. We know how to protect your assets. Now you will too!

Complete the Protection Savings Form today for a free, no obligation umbrella protection quote. Don't spend another sleepless night riddled with anxiety about losing all you have. Take out an umbrella!

Agents located in: Anoka, Ada, Austin, Bemidji, Blaine, Brandon, Brooklyn Center, Buffalo,
Byron, Cambridge, Cannon Falls, Dawson, Duluth, Forest Lake, Graceville, Grand Forks, Ham Lake, Hermantown,
Hibbing, Inver Grove Heights, Isanti, Jordan, Lino Lakes, Little Falls, Maple Plain, Pequot Lakes, Richfield, Roseville, St Cloud, Stillwater, Thief River Falls, Waconia