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McCluskey Insurance Services, LLC

9162 Union Cemetery
Cincinnati, OH 45249

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How umbrella insurance helps you

In Cincinnati, OH, McCluskey Insurance Services LLC offers many types of insurance, but one of the most useful, umbrella insurance, you can only buy when you already have another, primary policy. That’s because umbrella insurance is secondary insurance, meaning that you add it to a primary policy.

Umbrella insurance adds to your liability coverage. You can only add this policy to a primary insurance policy that already includes liability coverage. That means you can add it to auto, home, commercial, RV insurance and others that include liability coverage.

When you file a claim on the primary policy, it can run out of liability coverage quickly. This is especially true of auto insurance. The umbrella policy kicks in when your liability on the primary policy runs out. As long as you have an umbrella policy, it automatically kicks in to cover what the primary did not.

The result of this is less money out of your pocket. You won’t have to pay for a settlement out of pocket.

Without the umbrella policy, if someone got injured in an auto accident you caused after your auto insurance liability coverage paid out, it would be up to you to pay the remainder of the settlement or medical bills. You would have to pay for that out of your own pocket.

Contact McCluskey Insurance Services LLC serving Cincinnati, OH to find out why the low cost of umbrella insurance makes good investment sense. Save yourself from needing to borrow money out of your savings or retirement to pay off a settlement. Add umbrella insurance to your primary coverage today. Let us help you set it up.

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