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Request a free personal umbrella insurance quote from Benco Brokers. Multi-million dollar excess liability protection for homes, autos, and assets in NY, NJ & CT. Response in 72 business hours.
In an increasingly litigious environment across New York, New Jersey, and Connecticut, standard underlying liability limits on your homeowners and personal auto policies can be exhausted by a single catastrophic judgment. Serious multi-vehicle collisions, severe pool accidents, dog bites, guest injuries on your estate grounds, or high-profile personal injury allegations (such as libel, slander, or social media claims) can result in civil lawsuits running into the millions of dollars. Once your primary policy's $300,000 or $500,000 liability ceiling is breached, your personal savings, retirement funds, real estate holdings, and future income streams are exposed to direct seizure. At Benco Brokers, located at 20 Woods Bridge Road in Katonah, NY, our independent advisors partner with premier high-net-worth underwriters—including Travelers, Safeco Insurance, and Chubb—to structure standalone and excess personal umbrella programs that place an unshakeable financial canopy over your family's global assets.
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Complete our simple quote form below to get started. Once submitted, our high-net-worth liability specialists analyze your underlying coverage limits across all residences, autos, watercraft, and recreational vehicles to determine proper underlying requirements and structure seamless excess liability limits. You will receive your personalized personal umbrella quote within 72 business hours.
Tailored Excess Wealth Protection Built Around Your Family
Substantial Multi-Million Dollar Limits: We offer personal umbrella limits starting at $1 million and extending to $5 million, $10 million, and up to $50 million+ for ultra-high-net-worth families and executive portfolios.
Worldwide Territorial Protection: Comprehensive coverage that follows you, your spouse, and resident family members anywhere across the globe—whether driving a rental car overseas, traveling abroad, or hosting international guests.
Defense Outside Policy Limits: In the event of a severe civil lawsuit, your umbrella policy covers premier legal defense counsel, expert witness fees, and court litigation costs without eroding your underlying coverage limits.
Broader Coverage Definitions: Fills critical gaps excluded by basic underlying policies, including protection against allegations of libel, slander, false arrest, invasion of privacy, and wrongful eviction for residential rental units.
Seamless Integration Across All Personal Assets: Coordinates directly above your Homeowners Insurance, Auto Insurance, Boat & Marine Insurance, and secondary vacation residences.
Complete the form above to receive your customized personal umbrella quote, call us directly at 914-530-3877, email info@bencobrokers.com, or Book An Online Video or Phone Call with an advisor today.
