Add even more protection with an umbrella policy from Hastings Mutual. Go beyond your standard policy with additional coverage for Businessowners, Homeowners, Farmowners and other policies, to help pay large expenses — the kind you’ll see only rarely.
If you face a bill of $600,000 for your part in a car accident, and your personal auto policy has a limit of $500,000, there’s another $100,000 you’ll have to pay out of pocket — unless you can turn to your umbrella policy for the remainder. Umbrella coverage is excess over and above what you ordinarily have and is for the “rainy day” when you need an especially significant amount.
Hastings Mutual offers umbrella policies for almost every type of business we offer. Talk to your independent insurance agent about the right amount of coverage for you.
Commercial umbrella coverage
Hastings Mutual must provide the underlying commercial general liability and comprehensive automobile liability coverage.
Personal umbrella coverage
Hastings Mutual must provide the underlying personal liability, watercraft liability, recreational vehicle liability, and all auto coverage.
Farm umbrella coverage
Hastings Mutual must provide the underlying farmer’s personal liability, watercraft liability, recreational vehicle liability, all auto coverage, and employers’ liability coverage.