Umbrella insurance in Utah for extra liability protection
One claim can exceed home and auto limits
One major accident or lawsuit can outpace your base policies. A personal umbrella policy adds an extra layer of liability protection over your
auto insurance and
homeowners insurance, stepping in after those limits are exhausted. Bullfrog Insurance Group helps Utah families choose limits that match their risk and budget so a single claim does not threaten savings or future income.
What is an umbrella policy
Umbrella insurance is a secondary liability policy that sits above your home, auto, and other eligible policies. If your auto covers $250,000 but a serious crash results in $600,000 of injury claims, the umbrella can address the remaining $350,000 and legal defense, up to your umbrella limit. Policies are typically sold in $1 million increments and can extend over rental homes and certain recreational exposures when underlying requirements are met.
Who benefits from a personal umbrella
Anyone with assets or future earnings to protect can benefit, including homeowners with equity, families with teenage drivers, and households that host gatherings or own a pool or trampoline. If you volunteer on a board or coach youth sports, a higher limit adds peace of mind. Umbrella coverage is often just a few hundred dollars a year for $1 million of protection, making it a high-value addition for Wasatch Front households.
How umbrella coverage works in real life
If you also carry small business exposures, we can coordinate with commercial insurance to keep personal and business risks properly separated.
Home
A guest slips on icy steps and sues for medical costs and lost wages. After your home liability pays, the umbrella takes over.
Personal injury
A defamation claim from a social post triggers legal defense. Many umbrellas include personal injury coverage that a home policy may not.
Auto
You are at fault in a multi-vehicle crash and injuries exceed your auto limit. The umbrella addresses the overage and attorney fees up to its limit.
Why choose Bullfrog Insurance Group for your umbrella
Complete coverage review
We confirm your underlying limits meet carrier minimums, then set matching umbrella limits so there are no gaps.
Multiple carrier options
We quote several companies and often package with your home and auto for efficiency and potential savings.
Local, plain-English guidance
Our team explains requirements, exclusions, and defense coverage in clear terms and stays with you at renewal.
Claims support
If a large claim happens, we coordinate with both the primary carrier and umbrella carrier so communication stays simple.
Questions Utah families ask
How much does it cost
Many households pay roughly $150–$300 per year for a $1 million umbrella, depending on drivers, vehicles, homes, and any toys like boats.
Does it cover business liability
A personal umbrella is for personal exposures. Business activities may need separate policies; ask us to align with commercial insurance if you run a side gig or have employees.
Do I need one if I do not have many assets
Large judgments can reach future wages. An umbrella adds defense and settlement capacity to protect today and tomorrow.
What underlying limits are required
Most carriers require at least 250/500 on auto liability and 300k on home liability before issuing an umbrella. We will help you adjust base limits if needed.