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It’s a fact. You can try to be very cautious, but still make mistakes which cause injuries or damages to others. You may think you’re protected because you have home or auto insurance, but still discover that you need more protection if your actions result in very serious injuries or damages to another. 

With personal umbrella insurance, you can add an extra layer of protection to avoid financial disaster in the event of a large claim against you.

Our flexible and affordable options for personal umbrella insurance can protect the savings you’ve worked so hard to build. Don’t hesitate to talk to an agent about the benefits of umbrella coverage.


Why Get Umbrella Insurance?

Umbrella insurance is additional insurance on top of your insurance. You might wonder why you need that. But think about it like this — your home and auto policies have limits and only pay out so much per incident.

If someone suffers significant injuries on your property or you’re involved in a bad auto accident and you are found to bear some or all of the responsibility, those limits could run out. We all know that medical bills are more costly than ever and injured persons are entitled to recover for their pain and suffering, as well.

Without the extra safety net of umbrella insurance, you might have to dip into your own pocket to pay the difference between what your home or auto policy covers and the person’s actual damages — amounts that could reach tens of thousands, or even hundreds of thousands of dollars.


Limits to Umbrella Coverage

Umbrella insurance can do a lot for you, but it can’t do everything. There are some things umbrella insurance doesn’t cover, like injuries or property damage resulting from intentional acts.


Discover More Coverage Options

You have to have minimum amounts of home or auto coverage to get umbrella coverage, so if you don’t already have those policies, check out what Westfield offers.


Connect with a Westfield Agent

Our independent agents are a great resource to learn more about your coverage options. They can help you get the ball rolling on a quote. We have agents across the Midwest, so just plug your address or zip code into our easy-to-use online tool and find one near you.


Wherever you are and whenever you need us, we’ll be there. And now, so will your policy info.



  • We're one of the largest non-public companies in Ohio and the largest employer in Medina County.
  • We provide personal insurance in 10 states, commercial insurance in 21 states and surety products in 50 states through a network of more than a thousand leading independent agencies.
  • We've sponsored the Cleveland Cavaliers Straight "A" All-Stars since 2005.