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Umbrella Coverage: Why You Need It!


1844 Iron Street Bellingham, WA. 98225

Umbrella Coverage: Why YOU Need it!

An Umbrella policy provides additional liability coverage over the limits on your other insurance policies (home, auto, boat…etc.). Legal liability is created when you or a family member do something that injures or damages another person or their property. Many people assume they are not wealthy enough to need one or do not have enough assets to warrant an Umbrella policy. The truth is you need one if you have a job, or a minor in the household or if you simply have assets of value. Not only is it important to have an Umbrella policy, but it is equally important that the policy limits are adequate!

When you are sued, you have to defend yourself and you are responsible for paying any judgment against you. If the judgment awarded against you exceeds your coverage limits, most of your assets are at risk, which can include your home, auto, bank account, some retirement accounts, future wages and any other owned assets of value.

It only takes one innocent mistake, one misstep, one glance away, one accident to end up in this kind of situation. Below are real life examples of claims, demonstrating inadequate coverage. Some of them only provide THE JUDGMENT, not necessarily the amount that the Umbrella paid out. Too often we see people with too low of limits:

  • Teenage driver heading down the highway met an oncoming semi-truck, which crossed the center-line. The teenager was killed. The semi-truck driver was sued personally as well as his trucking business. The judgment exceeded his liability limits on the truck as well as the $1M umbrella policy.
  • A newly retired couple who owned real estate, had a good savings and retirement account, caused a car accident with severe bodily injury. They did NOT have a personal Umbrella. The judgment was over $500K. The retired couple ended up losing their home, all the money in the bank and most of their retirement money they worked long and hard for.
  • An insureds daughter hated math class and the teacher. She made several disparaging and false remarks about the teacher online. The teacher sued the parents for personal injury and $750,000 was paid out on a $1M Umbrella.
  • A driver who did NOT have an Umbrella policy, hit a policeman who was completing paperwork at a traffic stop. The driver had to pay legal fees for his defense as well as pay out of pocket for the settlement.
  • A group of friends were playing airsoft in an insureds backyard, one of the girlfriends refused to wear the protective gear. She ended up being hit in the mouth and chipping her tooth. The girls parents sued the insured for permanent damage to her face and mouth. The $1 Million Umbrella carrier was put on notice. The judgment is still pending.
  • A 40-year-old window washer broke his heel in a fall after a downspout he was holding onto broke away from the house on which he was working. Although the worker was found partially responsible, the fall cost the homeowner $1.2 million. On this policy, the homeowners policy paid the first $300K and then the Umbrella paid the remaining $900K.

Remember: Even if the lawsuit against you is judged to be without merit, it still can cost you money to defend the lawsuit. You need to be adequately insured and an adequate Umbrella policy does just that.

Not everyone needs the same limits either, that is why we recommend you give us a call for a comprehensive risk review even if you have some insurance policies elsewhere!

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1844 Iron Street Bellingham, WA. 98225

Do you know how many earthquakes there were near Bellingham in the last year? 63! Granted, most of them are a 2-3 magnitude, but four months ago there was a 4.6 magnitude in Monroe!

Did you know your homeowners policy typically excludes earthquake coverage? Fear not! You can add it by endorsement or by purchasing a separate policy. Below are a few recent quotes with great coverage we’ve offered our clients!

Dwelling Amount




























You can also add coverage for mudslide and flood! These coverages are also typically excluded from your homeowners policy. We welcome you to make an appointment with one of our knowledgeable agents to discuss your current coverages and learn more about other coverages you may want to add!

Call, text, or email us for a quote on your home or rental!

1844 Iron St | Bellingham, WA | 98225

Ph: 360-734-5204 | Txt: 360-526-8003 |

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Who Wants to Golf?


1844 Iron Street Bellingham, WA. 98225

It’s that time of year again! The BIAWC GOLF TOURNAMENT is a go! Last year, the BIAWC was one of only a few who hosted a tournament during the pandemic which went off without a hitch! Check out the fun you might have missed! BIAWC Golf Classic 2020

Join us AGAIN for an incredibly fun Golf Tournament hosted by the BIA of Whatcom County at the beautiful Sudden Valley Golf Course where you get the unique experience of two completely different front and back nines! Known as one of the best tournaments around, the annual BIAWC Golf Classic tournament is Friday, July 30th, 2021 with a shotgun start!

Our very own Suzanne Taylor, is on the golf committee and has been working with other committee members to make this a full day of golf, fun, fellowship, food, prizes and more!

Grab your slot and sign your team up now before prices increase!! Want to golf for free? See below for info on sponsorships!

  • Single Player: $150
  • Early Registration after May 1st: $600 (for a foursome)
  • Horserace – post tournament – Team of 2 Players: $20 per player (If you don’t have a partner, they can find one for you)!
  • Tool Kit: $25 each.

Check out the itinerary, here: Tournament Schedule

Interested in Sponsoring? Contact Suzanne Taylor at 360-734-5204 or at! There are many levels of sponsorship and some even come with a FREE team!

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Have you had an Insurance Review?


1844 Iron Street Bellingham, WA. 98225

Have You Had An Insurance Review Lately?

We welcome the opportunity to discuss your current insurance policies to explain your coverages and see if you might need to make some changes. As your life changes, so does your insurance! Whether it’s in person, over the phone or via email, we are happy to help and want to make it as easy as possible on you!

* Personal * Business * Life * Health *

Here are just a few of the common coverages recommended!

  • Tools/Equipment – do you use tools for your job or business? You might not have adequate coverage under your homeowners policy!
  • Umbrella Coverage – Umbrella coverage is not only for personal home and auto, it is available for businesses too! It provides additional liability in million dollar increments over the policies you currently have!
  • Do you have special jewelry, furs, coins, or art? Each homeowners policy has a limited amount of coverage if those items are stolen. You may want to consider scheduling them for the full amount!
  • Air BnB – Renting a room or your house as a temporary vacation rental? Make sure you have the right kind of insurance to protect you as a short term landlord!
  • Using your vehicle for work? If you use your vehicle for work or to run work errands, you may need a different kind of coverage!

Contact us today for your review!

360-734-5204 or

1844 Iron St | Bellingham, WA | 98225

Phone: 360-734-5204 | Text: 360-526-8003 |