Different umbrella insurance providers in Austin, TX will have different lists of exclusions for coverage. But, there are some that are fairly common, if not entirely uniform across all umbrella insurance companies. These will include the following:

• Personal injury and property damages. This means for the policyholder. Umbrella insurance is mainly about liability, it’s there for you if you are sued for damages to someone else’s property. If your own car is totaled in an accident or if your commercial property burns down, you have your primary policies to cover the damages.
• Certain dog breeds. The exact dog breeds not covered may vary from one provider to the next, but most will have some exclusions in place for dog bites and damages if your dog’s breed is on that list.
• Intentional damages or criminal activity. If you get mad at a customer and throw a brick through their car window, you can’t really expect your insurer to have your back on that one. That sounds like a silly example, but we all have moments where we lose our temper, so you need to keep your cool and play above-board. Don’t assume that you can behave recklessly because you’re insured.
• Certain instances of neglect. If you’re leaving loose wires hanging in your store’s bathroom for months on end, someone is going to get injured. Even if it doesn’t happen right away, the odds are not on your side in the long run. You need to do your part as a homeowner, as a motorist, and as a business owner if you want to ensure that your umbrella insurer has your back.
• Uncovered motor vehicles. Your umbrella policy is there to provide additional coverage. So if you cause an accident without carrying the proper car insurance in the first place, they can’t help you.

Again, every insurer in Austin, TX will show you a different list of exclusions, so call and ask if you’re not sure. And if you’re still shopping around, get in touch with The Policy Source. The Policy Source is here to get you the coverage that’s right for you.