Top 5 Best Umbrella Insurance Companies

Umbrella insurance is a kind of responsibility insurance that adds additional inclusion to other policies, known as underlying policies. These underlying policies include auto, homeowners, and renters insurance policies. Umbrella insurance covers either personal or commercial liabilities, depending on which sort of policy you purchase.

Car accidents, canine bites, swimming pool accidents, and slip-and-fall accidents are examples of the types of claims that are regularly covered by personal umbrella policies.

1. Liberty Mutual

Since 1912, Liberty Mutual has given plenty of insurance products and services “to meet its customers’ steadily changing needs.” The organization maintains an A (Great) rating from AM Best. Inclusion limits start at $1 million for personal umbrella insurance to cover liabilities, lawyer fees, and other expenses associated with a case against you and the members of your household.

With regards to commercial umbrella insurance inclusion, Liberty Mutual goes beyond anyone’s expectations as it offers up to $25 million in inclusion over Liberty Mutual Insurance’s underlying risk policies and up to $100 million in excess limit.

2. Chubb

Chubb has been around since 1882 and specializes in an assortment of insurance products for high total assets individuals. It has procured a standing as the largest public property and casualty insurance organization as well as the largest commercial insurer in the country. It maintains the highest possible AM Best rating, an A++ (Superior).

The organization offers personal and commercial umbrella insurance that ranges from $1 million to $100 million.


Established in 1922 by several Military officers, USAA started as a car insurance organization. Today, it serves almost 13 million current and former members of the military and their families with various insurance products. USAA receives the highest possible rating from AM Best, an A++ for Superior financial strength. With its umbrella insurance policy, you can get between $1 million and $5 million in inclusion.

4. Travelers

Travelers has been in the insurance industry since 1864 and employs 13,500 independent agents and brokers all through the United States, Canada, and the United Kingdom. The organization offers both personal and commercial umbrella insurance for a wide range of businesses.

Travelers maintain an A++, Superior rating with AM Best, the highest possible rating. Policies are accessible in every one of the 50 states.

5. Geico

Since its inception in 1936, Geico has developed significantly. While it’s essentially known as a car insurance organization, Geico offers various other products, including personal umbrella insurance to individuals in every one of the 50 states. The organization maintains an A++ rating for financial strength from AM Best. Assuming you’d like an umbrella insurance policy with Geico, you must purchase car insurance from them as well — unless you live in New York or New Hampshire.

Geico also requires that you have certain minimum obligation limits on your car, homeowners, and boat (if pertinent) insurance policies before you are qualified for umbrella inclusion.

Read also: Top 5 Best Commercial Truck Insurance