When clients ask whether they need an umbrella policy we encourage them to answer one question – Is it possible that you could ever be sued?
Before you answer, please consider two things – your personal details and activities.
- Personal details: Is there anything about you (including things you own) that could increase your risk of being sued? Do you have children? Do you own a home? Do you have a dog? What about ‘toys’ including boats, motorcycles, and other recreational vehicles? Any pools, hot tubs or trampolines? Do you own a secondary property?
- Activities: Think about your activities. Do you drive a car? Do you ever entertain guests at your home? Do you participate in sports like golf, skiing, or tennis? Do you or your kids use social media? Do you travel? Do you volunteer or sit on a not-for-profit Board?
If you answered ‘yes’ to any of these questions, you could be personally sued for your actions. Despite best intentions, bad things can happen to good people. People act reasonably and maintain their homes yet injuries and property damage can still occur leading to lawsuits.
An umbrella policy is a great way to protect your assets by providing an extra layer or protection through additional liability limits.
It’s important to know your options. Contact us to learn more about the benefits of an umbrella policy and to ask us for a quotation.
"We have recommended Advocate to many of our friends and family and anyone who got a quote also switched companies. Customer service is also excellent and I have and will recommend them again and again."-
"After a car accident, I was treated very well by Advocate's Personal Recovery Coordinator Linda. I am a happy customer and have referred many others to try Advocate as their brokerage of choice."-
"Linda is extremely considerate, compassionate and provides a level of service that is rare in this day and age. She is a true professional and a fantastic representative for the Advocate Group! Thank you for the great service!"-
"I have been with Advocate Insurance since I got my first apartment 26 years ago, and have always had great service. Even though I am no longer in in the Kitchener-Waterloo area I still use them for them for all my insurance needs."-
"We were with the same insurance company for over 20 years, assuming that we were getting the best bang for our buck until we got a quote from Advocate. We saved a considerable amount of money on the insurance and our liability coverage was substantially higher."-
"I was referred to Advocate Insurance by a friend/home caregiver. They were easy to work with and explained everything clearly. They also are great at knowing what kind of daycare insurance I need for running a home daycare. I now recommend Advocate Insurance to everyone I talk to."-
"My husband recently was involved in a 'fender-bender’ and was deemed not at fault. However, our car suffered considerable damage. Advocate Insurance Group handled our claim quickly and to our complete satisfaction. What could have been a difficult situation was stress-free."-
"I consider Advocate my insurance family. I always feel welcome and appreciated whether it be purchasing new insurance, changing existing insurance or simply obtaining clarification on a specific matter."-
"With two children becoming drivers at the same time, Advocate was very patient with all the changes being made. I always tell people to go to Advocate and they've never been disappointed."-
"Advocate has been great for our business. Annual renewal is smooth and easy. Their friendly and personal service is second to none, and their skill set and expertise instills confidence that we are getting the best deal."-
What is a deductible and how does it impact my premium?
In the event of a claim, your deductible is the amount that you pay before your insurance company steps in to pay the remaining costs (subject to the policy coverage and limits). Some people prefer a low deductible while some are comfortable being responsible for a higher deductible, knowing that this may lower their premium slightly. We can provide options to you so you can select what works best for you.
How can I get a quote?
I’ve moved. How do I update my address information?
You can call us at 1-888-278-7584, or submit a contact form here. Depending on the type of policy you have, we may need to ask you additional questions. For example, if you’ve moved we may need to change details on your auto policy (i.e. commuting distances) or update your property policy to reflect the details of your new home. Please remember to keep us up to date on any changes that impact your insurance policy.
Are the brokers at Advocate licensed?
Yes, all our brokers hold their Registered Insurance Brokers of Ontario license which means that they have completed a provincially regulated exam and must fulfill continuing education requirements each year. Insurance protects your family and assets…don’t put them at risk! Always deal with a licensed professional.