Personal Umbrella Insurance

Think of this as an extra layer of protection, offering $1 million to $5 million in affordable, additional insurance that protects you in the event of major claims and lawsuits. It supplements your basic liability policies that are included on your auto and home policies.

Who needs it? Almost everyone – it protects not only assets but future earnings. No one expects to be sued. But if you are held legally liable for certain injuries or property damage, an umbrella policy will be there to assist with paying the settlement you are held responsible for.

Landowners, in particular, should consider this option – with recent area land values rising to $10,000 per acre, it may take a multi-million dollar umbrella policy to ensure you retain your land.


This is also a key tool for parents of young drivers. The split-second decisions of an inexperienced driver can ultimately affect you financially, as parents can be held liable for the actions of their dependents.

Jeff and Sally Row in their shop
It's nice to get guidance from people you know and can have a conversation with.
Jeff Row
Karen Washington-Oglesby at her popcorn shop
Fortify Group handled everything. They answered our questions and knew all the criteria for the policy. It was painless.
Karen Washington-Oglesby
The Hejny Family
Personal service is huge to us. We like to stay connected to people. With Fortify we feel less like clients and more like extended family.
Terry & Pam Hejny