Extra peace of mind with umbrella insurance in South Carolina

Umbrella Insurance Overview

A higher layer of protection for real-life risks
A personal umbrella policy adds $1–5 million of extra liability coverage above your home, auto, or other policies—critical if a serious accident or lawsuit exceeds your primary limits. The Sullivan Agency helps South Carolina families in Greenville, Anderson, Taylors, and Spartanburg layer affordable protection over auto insurance, homeowners insurance, and even boat insurance so one claim doesn’t derail your savings or future income.

Why It’s Important

Big claims happen—be ready for them

Medical costs, legal defense, and settlements can climb quickly after a major car accident, an injury on your property, or a liability claim involving a teen driver. If your primary policy covers $300,000 and the judgment is $1,000,000, umbrella coverage helps fill that $700,000 gap—plus it can include defense costs. It’s a small premium for a large amount of protection.

What It Covers

Broad liability and legal defense

A personal umbrella can extend over your home, auto, rentals, watercraft, and more. It typically addresses bodily injury, property damage, and certain personal injury claims like libel or slander—subject to policy terms. We’ll verify required underlying limits so your umbrella sits correctly on top.

 Who Should Consider It

Not just for the ultra-wealthy

If you own a home, have savings, host gatherings, have a pool or trampoline, drive frequently, or have a new or teen driver, umbrella coverage is worth a close look. Landlords and high net worth households often choose higher limits for added protection.

Cost & How It Works

High limits, surprisingly affordable

Many $1M umbrella policies start in the low hundreds per year, with additional millions typically costing less per million. We coordinate your underlying limits and carriers so claims flow smoothly and there are no avoidable gaps.