Umbrella Insurance Vs. Excess Liability Insurance: What’s the Difference?
Two insurance terms that are often used interchangeably in Williamston, MI are umbrella insurance and excess liability insurance, but they are not the same thing.
Talk to the Experts at CG to Find Out How Much Umbrella Coverage You Need.
Don't leave yourself vulnerable to life's biggest risks. One lawsuit can literally wipe out everything you and your family have spent a lifetime building. Umbrella insurance provides extra liability protection and is the most important coverage most people don't have. CG has the expertise to be you're your trusted source for this crucial coverage.
Our Solutions
Your Home and Auto Insurance Have Limits. Lawsuits Don't
Umbrella insurance extends your liability coverage and helps protect you from large, unexpected claims. Remember, lawsuits don't have limits but an umbrella policy from CG shields you from this life-altering risk.
Independent Guidance
Choose limits that actually match your exposure.
Affordable Protection
High coverage for a fraction of most policy costs.
Broad Coverage
Extends liability protection across multiple policies.
Insurance Coverage
What it Covers
Umbrella insurance extends your liability coverage and helps protect your future from large, unexpected claims.
Extra Liability Limits
Higher protection beyond home and auto.
Legal Defense
Covers attorney fees for eligible lawsuits.
Injury Liability
Protects against accidents involving guests or others.
Property Damage Liability
Covers major accidental damage to others' property.
Global Protection
Travel-friendly liability coverage in most situations.
Tailored Solutions
Coverage Options
Customize Your Coverage
Your umbrella policy can be shaped around your lifestyle, assets, and household risks.
- Choose limits from $1M–$5M+
- Meet underlying home/auto requirements
- Add protection for rental properties
- Extend liability for boats, ATVs, and recreation
- Add uninsured/underinsured motorist umbrella coverage
- Coordinate with Private Client programs if needed
Common Gaps & Smart Add-ons
Umbrella insurance closes the gaps most people don't realize exist in standard policies.
- Higher auto/home liability limits (often required)
- Liability for rentals or investment properties
- Watercraft liability extensions
- Uninsured/underinsured motorist umbrella
- Added coverage for higher-risk households
Our Clients
Who It's For
Umbrella insurance is a strong fit for many Michigan households.
Homeowners With Equity
Protect your home and savings from major claims.
Families With Teen Drivers
Extra peace of mind for high-risk driving years.
High Net-worth Individuals
Comprehensive asset protection and privacy.
Our Process
How We Work
Match
We match umbrella limits to fit your actual asset exposure - not a one-size-fits-all package.
Coordinate
We coordinate your underlying policies to make sure your umbrella triggers correctly - this is crucial because a gap in underlying coverage can void your umbrella protection.
Review
We review your umbrella coverage annually - this is key because as your assets grow, your exposure grows with them.
FAQs
Michigan Umbrella Insurance FAQs
Insights
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When you own a home, you should never be without home insurance. It’s so important that you should have it set up so that it takes effect as soon as you buy the property.
Four Types of Auto Insurance Coverage You Should Have
When looking for vehicle insurance in Williamston, MI you should become acquainted with the various types of coverage.
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