Personal Umbrella for MD, VA, DE, DC, NY, WV, NC, PA

Due to the COVID-19 pandemic we are experiencing, our office is closed to the public until further notice. If you have an insurance need, please reach us by phone at 301-229-1500 or by e-mail at latimer@latimerinsurance.com. When we receive your call or e-mail, we will contact you as soon as possible to discuss how we might be of assistance. Rest assured, we will continue to support your insurance needs as we all work together to get through this crisis. Please be safe and stay healthy.

Personal Catastrophe Liability (Umbrella) Insurance MD, VA, PA. DC, DE, WV, NY, NC

Personal Catastrophe Liability (Umbrella) Insurance MD, VA, PA. DC, DE, WV, NY, NC

What happens if the settlement following an accident far exceeds your insurance coverage?  Although high six-figure awards are still uncommon except in corporate lawsuits, they can happen. Personal catastrophe liability coverage (umbrella insurance coverage) is your answer.  Here at the Henry A. Latimer & Son, Inc. agency in Bethesda, Maryland (Montgomery County), we want to be sure you have that extra protection and avoid such devastating loss.

An umbrella insurance policy offers personal catastrophe liability (umbrella) insurance coverage that extends your financial protection beyond your homeowners, renters, condo and auto insurance coverages. 

The amount of additional coverage is most commonly one million dollars, and some insurance companies offer higher amounts. 

Personal catastrophe liability coverage protects you, your covered family members and your household pets against damages to another person or their property or belongings, whether on your premises or anywhere in the world.

Although claims that exceed what a home or auto policy can provide are still uncommon, a single loss of this type can alter your future.  With an umbrella liability insurance policy, your risk is in the severity of a claim, not the frequency. 

This is a relatively inexpensive type of coverage, so why take the risk?  The experienced representatives at the Henry A. Latimer & Son, Inc. agency, here in Bethesda, MD, can take care of the details.  So contact us to get the protection you need today.


The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at Henry A. Latimer & Son, Inc. before making any decisions or choosing a course of action.

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