An UMBRELLA policy is Personal Liability Insurance

Umbrella insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home or renters insurance. An umbrella liability policy covers a much higher limit and goes above and beyond claims directly relating to your home and auto.
The main purpose of your umbrella policy is to protect your assets from an unforeseen event, such as a tragic accident in which you are held responsible for damages or bodily injuries. If another party files a lawsuit against you, your umbrella coverage will pay for the damages you’re legally responsible for up to the policy limit.

UMBRELLA Insurance

With UMBRELLA Insurance you can add another layer of liability coverage to protect you.


Nowadays, lawsuits are common and judgments can be very costly. The more assets you own, the more vulnerable you are.

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Personal Liability Insurance

No matter what your walk of life is…

If you generate an income, you are a good candidate for the benefits of an umbrella policy. A $1-million umbrella policy (in addition to the limits of your auto and homeowners insurance policies) is strongly recommended in order to have proper liability coverage.  In the event that you are sued, you could be forced to pay a legal judgment from your current assets and future earnings. The policy can also pay for defense costs, which can quickly add up even if you win your case. It’s an inexpensive way to protect your finances from a devastating lawsuit – after all, insurance is meant to help avoid financial catastrophes.

“I am an Independent Insurance Advisor based out of Rockford, IL and licensed in the states of Illinois and Wisconsin.  I am proud to service the greater Rockford area – including: Belvidere, Marengo, Loves Park, Machesney Park, Freeport, Rockton, Roscoe, South Beloit, and Beloit (Northern Illinois and Southern Wisconsin).

I would appreciate the opportunity of helping you and your friends/family with all your insurance needs, including:

  1. Doing a comprehensive review of your current insurance situation
  2. Providing you with some competitive insurance quotes

I am ready and happy to help – Contact me today for your Free VIP Quote, Thank you.” – Oscar G. Castillo