Whether it's being a little league coach, selling crafts at your local fair, driving people to Sunday church, or volunteering at your local food pantry, most families engage in a lot of activities outside of their regular work and school routines. While these activities can be lucrative and/or benefit the community, they can also expose you to liability. Most of us don't think about this liability when we agree to volunteer or coach, but what happens if someone is injured while you are driving for church or trips on your booth decorations at the fair? Most homeowners' policies won't cover this type of liability if someone sues you for their medical expenses. That's where an umbrella insurance policy can be invaluable.
Umbrella insurance provides protection against financial loss if you are sued while engaging in an activity outside the parameters of your regular home, work, and school routines. This can be volunteer work, working a side gig, or even engaging in extreme sports like motocross racing or double diamond downhill skiing. Your umbrella policy provides funds to settle or defend, if necessary, a liability lawsuit resulting from a covered activity. Without this type of insurance, you could face an obligation of thousands or hundreds of thousands of dollars. Since most of us don't have that kind of money in our bank accounts, such a lawsuit could put your house and your retirement income in jeopardy. One umbrella policy covers you for all these outside activities; you don't have to purchase separate policies.
To learn more about protecting your family from financial loss with an umbrella insurance policy, contact Midwest Professional Insurance. We've been helping families like yours with their insurance needs for more than a decade.
"A great company! Always fast and responsive! Midwest Professional provided detailed information on insurance options that best fit my needs. I received BETTER coverage for home and auto for less than I was currently paying. And Dede not only did an excellent job at explaining the coverages, but also answers any follow on questions for claims in a way that is easy for people who aren't in the business to understand!"
- Amanda M.
"Very knowledgeable!!!! Available when you need them and quick to respond. Dede has such a warm personality, I felt like I was talking to a friend. She is patient and will answer any and all questions you have! If you are looking for a great insurance company, give them a call."
- Amy M.
"DeDe is phenomenal... it's so nice to actually call and have an agent that knows my name. No matter the request, she always takes care of our family in a timely manner, and knows how to solve problems. Her communication skills are awesome, and she consistently finds our savings on our cars and home."
- Michelle H.
"Felicia and Dede are amazing! They know their stuff and are quick to get back to you with answers to questions. We love these ladies!"
- Matt B.
"I have been with Midwest Insurance for about 6 months. My wife and I have changed cars a couple of times each since joining. In that time our bank has had some issues internally with our proof of insurance. Dede has been great in both changing coverage on our vehicles and handling the issues with our bank. She is always just a phone call away. I am very happy my brother recommended me. If you are looking for a great insurance agent and company you can not go wrong with Dede and Midwest Professional Insurance."
- Randall L.