Personal Umbrella Insurance: Extra Protection for Life’s Unexpected Events

Accidents happen, and sometimes your standard insurance policy isn’t enough to cover the financial impact. Personal umbrella insurance provides an extra layer of liability protection to safeguard your assets and future. Whether it’s a costly lawsuit or an unforeseen claim, Gutwein & Risner is here to ensure you’re fully protected.

Get a Free Quote

Why You Need Personal Umbrella Insurance

Comprehensive Protection Beyond the Basics

A check mark in a circle on a white background.

Additional Liability Coverage

Covers expenses that exceed the limits of your auto, home, or boat insurance policies.

A check mark in a circle on a white background.

Protection Against Lawsuits

Helps cover legal fees, settlements, and judgments in cases of personal injury or property damage claims.

A check mark in a circle on a white background.

Global Coverage

Provides liability protection for incidents that occur anywhere in the world.

A check mark in a circle on a white background.

Affordable Peace of Mind

Adds millions in coverage for a fraction of the cost of other policies.

Indiana’s Trusted Partner for Extra Liability Protection

  • Expert Guidance: Our experienced agents help you evaluate your current coverage and identify potential gaps that umbrella insurance can fill.
  • Affordable Coverage: Protect your assets and future without breaking the bank—umbrella policies are surprisingly affordable.
  • Local Expertise: We understand the unique needs of Indiana families and tailor umbrella insurance policies to your specific situation.

Real Stories, Real Security

Share practical examples to highlight the value of umbrella insurance:



  1. “When a serious car accident resulted in over $500,000 in damages, David’s umbrella policy covered the excess costs, protecting his savings and home.”
  2. “After being sued for an injury at her backyard barbecue, Linda’s umbrella insurance helped her pay the settlement and legal fees without financial strain.”

Protect Your Assets, Secure Your Future

Don’t let unexpected events jeopardize your financial security. Contact Gutwein & Risner today to explore your umbrella insurance options and ensure you’re fully covered, no matter what life throws your way.