Cinco Ranch TX umbrella policy

Are you on the look for Cinco Ranch TX umbrella policy? If you are, then you’ve come to the right place. Texas Insurance Agency can help you. We have a team of experts with years of experience. As independent agents, you can trust us. We’re not of those big monolithic companies. Our firm makes sure to accommodate our clients. To that end, we have two locations: one in Katy and one in Pearland. If you want, you can get a quote online. Just fill out the form, and we’ll get back to you.

Cinco Ranch TX umbrella policy

When it comes to your policy, you need all the help you can get. There are several options out there for you. We cover auto and home insurance. We also cover wholesalers and manufacturers’ insurance. In addition, we cater to personal insurance too. No matter what, we will help you. Moreover, there are a lot of things to deal with in insurance. That could be the cost or what it’s for. But don’t worry. We have partnerships with local companies. From there, we offer great advice. Furthermore, that advice extends to prices and quotes. In the end, you save more.

Umbrella Policy

What is an umbrella policy? An umbrella policy is an insurance plan that covers your limits. This could include auto insurance. It provides added protection. It can also be part of business insurance. Also, this type of policy can give you peace of mind. On your other insurance, it provides a layer of protection. This policy would be on top of your general liability insurance. Also, your Cinco Ranch TX umbrella policy is known as excess liability insurance.

Cinco Ranch TX umbrella policy

We can help you with your personal or business umbrella insurance!

This type of policy is for certain people. Those certain people have lots of money. Henceforth, insurance agents recommend an income over $500,000. The amounts of coverage are about $1 million. From there, it can go to $5 million. In addition, this policy will help your medical bills. That could be for anyone hurt. But in this case, it has to be customers. For employees, it has to be under workmen’s comp. Other than that, it can help with property damage. But that would be in certain situations. It only applies if you’re held responsible.

This type of policy is good if you have assets. These assets would have to be considerable. In addition, if you have a lot of assets, this policy helps. In other words, if you have a million dollars, this policy might help. Wealthy people are often targets of lawsuits. People think they can get quick money from that. Umbrella policies can go a long way to help. It can help with life insurance as well. This policy can help with false imprisonment and libel. It can also help with slander. However, this policy does not help with commercial property. You would need to get a separate plan for that.

Commercial umbrella

For commercial use, this policy helps too. A big business could use the coverage. A lot of times, risk comes into play. If you’re a contractor or health provider, this comes to mind. This policy helps if you run delivery drivers. Accidents can happen all the time. Auto accidents are the main source of a lot of claims. The umbrella insurance helps with that. Liability hurts when you have a company. In addition, the umbrella policy can help with a legal defense. That legal defense can go to attorneys or witnesses.

Cinco Ranch TX umbrella policy

Your umbrella policy helps with property damage in some instances.

An umbrella policy can help with property, too. If someone causes damage to your property, the policy can cover it. This is helpful if you’re a construction company. There’s a lot of risk for construction companies. First off, you might work on someone’s property. And secondly, the work is dangerous. Customers or bystanders could be hurt. The same applies to healthcare providers. Doctors and medical staff can make mistakes. Accidents happen. Sometimes that could lead to the death of patients. Therefore, an umbrella policy helps.

Other Considerations

However, it does not help with personal injury on your part. You may still need commercial property insurance. In terms of products, this policy can help, too. Whether it’s a food or other product, you have to be careful. Any adverse effect could become a liable claim. This will be the case if you’re in a bar or restaurant. The food-service industry can be full of risks. People could get sick from what you give them. That’s why we recommend you get a BOP. A BOP bundles property insurance with general liability.

Cinco Ranch TX umbrella policy

Your umbrella policy has exceptions!

In any case, the umbrella policy helps cover any costs due to business. That’s why it’s good to have it on top of your commercial insurance. This could be your employment practices and workmen’s comp. And also, your fiduciary insurance.

Not Covered

An umbrella policy does not cover a lot of things. For one, it doesn’t cover any liability from the job. In other words, it doesn’t help with your professional services. This is the case if you have personal umbrella insurance. In addition, it does not cover damage to your own property. And it does not cover personal injury. For a company, this is similar. An umbrella policy will only cover property damage by someone else. Furthermore, an umbrella policy will not help with professional liability. The same goes for employment practice liability.

In the end, you can only add it to liability policies. In the long run, your Cinco Ranch TX umbrella policy can help in certain ways. This policy helps with any problems from liability. That would be legal, medical, and property damage.

Make an appointment!

If you want to learn more, shoot us an email. You can email us at You can also give us a call at 281-398-1010. Be sure to visit one of our offices as well. Our office hours are from 8 to 5 Monday to Friday. For Saturday and Sunday, we’re closed. But you can still come by appointment only. So, call now! As it pertains to your Cinco Ranch TX umbrella policy, you can expect the best from us!

Fun Facts about Cinco Ranch, TX

  • The population is over 18,000 as of July 1, 2020.
  • The city is in Fort Bend County.
  • Cinco Ranch has 11 pools.
  • Before being a city, the town was a cattle ranch and rice farm.
  • If you want to know more, visit the city’s website.

Our Partners

We are pleased to partner with these companies to bring you the best coverage at the lowest rates available.