MCF
MCF
Umbrella Liability
What is Umbrella Liability Insurance?
Umbrella Liability Insurance provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. Liability issues are everywhere in our litigious society and you never know what could cause someone to present you with a lawsuit. Basically, Umbrella Liability Insurance policies help protect you from liability issues that go beyond the liability limits of your standard insurance policies, such as your homeowner’s insurance, car insurance, boat insurance etc. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance policy, you will still be better protected.
What does an Umbrella Liability Insurance Policy cover?
Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Many Umbrella Liability policies will extend those limits to not only provide additional coverage limits for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance policy may not be covered on another insurance policy. Umbrella Liability Insurance could kick in when these situations present themselves and/or you exceed the amount of liability coverage for the events that are already allowed under your insurance policies. Typical coverage limits are $1,000,000, $3,000,000,$5,000,000 and $10,000,000.
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Why should you purchase Umbrella Liability Insurance?
You may not think you need an Umbrella Liability policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars?
Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Liability Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn’t have to worry too much about liability costs and liability lawsuits in the future.
Contact Massey, Clark, Fischer, today for more information on Umbrella Liability policies and get a free online quote.
BackWhat our clients say?
This is by far one of the best insurance companies I have ever worked with. The staffs are very professional, and they reply in a timely manner. I did not have to go through multiple people like you would at GEICO or other big insurance firm to get my answers. For all your insurance needs such as disability, life, auto, house, etc.; these guys are amazing, and I would recommend them to everyone.
R S
April 16 2022
Massey Clark Fisher is an invaluable resource when you are trying to find the insurance coverage you need.
Laurel Drazen
March 30 2022
Hank and his staff are very professional and friendly. They always give us quick response. We recommend them for all your insurance needs.
Ron Algeri
October 14 2020
Hank is very knowledge about the insurance industry and provides trustworthy service to his clients. - Esther Zapata Ruderman
Conroy Simberg
September 11 2020
You can be confident when you do business with Hank Massey that your insurance needs will be taken care of in a professional and caring manner. The office is great to work!
JoAnn W.
August 19 2020
Professional service without loosing the personal touch. I have used them many times over the years and I have always pleased with their recommendations. Recently I needed a new policy for my rental. It was a challenge, but they didn't give up until they found the solution.
charles Walker
August 10 2020
Great deals. Lots of insurance options!
Mansa Smith
June 16 2020
They were an excellent resource. Worked tirelessly to find the best policy for our application. Much gratitude for the significant savings!
charles walker
June 02 2020
Quick response. Very helpful in finding a policy that's right for my needs! Friendly staff!
Dee Egizio
June 02 2020
Hank, I made the change last year to use your services. Your staff is always friendly and extremely professional.
Vincent Cordo
June 02 2020
My company partners with local insurance providers as we help clients with purchasing a home. Hank and his team are responsive and have helped clients become homeowners in Palm Beach County.
Ray Premuroso
June 02 2020
Hank, thank you so much for your work and quick response.
Leonard Pisciotto Jr.
March 06 2020
Kudos to MCF. Great service. Woud recommend.
VinayDeep Raj
December 17 2019
Experienced agents. Excellent services.
james henry
December 12 2019
Getting insurance has never been this easy! Definitely recommend going to Massey, Clark, Fischer.
Nandanie Ram
November 25 2019
Massey, Clark, Fischer is a professional insurance agency located in West Palm Beach area. They are always willing and ready to help you with any insurance needs one may have. Not only this Agency has years in business, but they are extremely knowledgeable and prompt when it comes to service. Their policyholders and employees are Very important to them. I am proud to be part of of this agency.
Claudia Upson
October 12 2018
Trusted adviser with our insurance policies. Quick to respond to any questions.
Rome C
October 11 2018
Hank Massey and his firm have been practicing in the insurance business in Palm Beach County for decades and continue to provide excellent insurance service, for both personal and business needs. I would highly recommend his firm for all your insurance needs.
keith kjackson@engenuitygroup.com
September 30 2018
I have been with Massey Clark Fischer for many years and have several policies with them...The owner, as well as my agent, offer personalized service and genuinely seem to care...They call back when they’re supposed to,are knowledgeable of their product, and follow through with any requests I may have...Real Human Beings! Highly recommend!!
MyBadabing
September 27 2018
Working with MCF has been a life changing experience. This is a hybrid agency that evolves with the insurance industry changes. You will find an extremely experienced, and helpful service team that will strive to get you the best option to fit your needs. I highly recommend you allow us to review your insurance portfolio to ensure you are receiving the best bang for the buck. #muckbunnymarykay
Jennifer Lutfey
September 25 2018
MCF has taken care of my insurance needs for the past 10 years, and I would highly recommend their services! As opposed to selling a specific product or roping you in to a single plan, Mr. Massey and his team can compare rates and policies to fit your individual needs. From the friendly staff to the great customer service, I highly recommend the professionals at MCF!
Michael Shelton
September 08 2018
Wonderful service! The staff is knowledgeable, quick to answer any questions, and trustworthy. It gives our family peace of mind knowing MCF is behind us.
Erin Walters
September 04 2018
Working for Massey, Clark, Fisher, Inc. is a pleasure couldn't asked for a better palace to work. Everyone here is very friendly, helpful, professional and make you feel part of the Family. Thank you for having me.
Ro A
August 09 2018
I started working for Massey Clark Fischer Inc in 2001. Everyone here feels like family. Hank Massey and Eric Fischer are very easy to work for. We all care about our clients. Our dedication to the clients is our main focus.
Barbara de la Vega
August 08 2018
My husband and I have been doing business with Massey Clark Fisher since the 80s. They are extremely professional and still treat you as family. Through the years I have had many insurance needs and work with me to determine the best product at the best price!
suzan kelly
August 08 2018
Great team 👍
Miranda Grace Massey
August 08 2018
Great service nice staff
mike massey
August 07 2018
We have used Hank and his firm for our personal and business insurance needs for the past few years. Great Firm. They have always been extremely responsive and willing to work for the best insurance for us. Highly Recommend them!
David Blotnick
July 31 2018
Hank and his team are great! I would highly recommend this company!
Spencer Adamson
July 31 2018
Working with Hank and his team has been an awesome experience! Massey Clark Fischer is an excellent company. I highly recommend them.
Chuck Konga
July 30 2018
I interned here for my community service hours, and i had a great time. Everyone is very helpful and very nice.
Alexis Upson
July 26 2018
Very helpful! Have been able to answer any questions that we have had and have guided us to find the exact coverage for our needs. Our mortgage company failed to pay our premium and our homeowner’s policy got cancelled. They were able to get the situation fixed painlessly for us! Highly recommend!!!
Jessica Shelton
July 19 2018
It is a great honor and pleasure to work at Massey Clark Fischer.” We are truly a Family ♥
Emily Abelha
June 20 2018
Most professional agency with the friendliest and kindest licensed agents! They are the most helpful in getting you the best rate out there.
Lisa Ortiz
June 18 2018
Great experience with the team at Massey! Definitely recommend them.
Poke Trooper
January 23 2018
Awesome firm. Very personal service. Highly recommended. Use them for both my personal and business needs! Hank is the true epitome of an insurance professional.
Paul Ramkissoon
February 09 2017
