Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Umbrella Insurance; Extra Liability Protection for Life's Unexpected Risks

Coverage Above Home and Auto Limits

A personal umbrella policy provides an additional layer of liability-typically starting at $1 million-over your home, auto, and other eligible policies. Bowerman Insurance Agency helps families choose umbrella insurance to protect assets and future earnings from large claims or lawsuits.

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When Big Claims Exceed Base Limits

If a serious auto accident or a severe injury at your property exhausts your underlying limits, the umbrella can step in up to its higher limit. We'll confirm required base limits on your auto and home and make sure all eligible policies (like boat or recreational vehicles) are listed so your protection stacks properly.

More To Protect, More To Consider

Teen drivers at home, a swimming pool, frequent hosting, volunteer coaching, rental properties, or significant savings are all reasons to look at an umbrella. Even if you don't consider yourself "high net worth," the extra limit is often surprisingly affordable for the protection it adds.

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Broader Liability, Wider Peace of Mind

Beyond bodily injury and property damage, many umbrellas include certain personal injury coverages like libel or slander. Coverage generally follows you worldwide and can extend over auto, home, and eligible recreational policies when scheduled.

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Clear Answers for Umbrella Coverage

  • How much umbrella should I carry?

    It depends on your assets, income, and risk exposure; we'll review together.

  • Does a personal umbrella cover business?

    No-business activities require separate coverage; ask about commercial options.

  • What are the underlying requirements?

    Carriers set minimum limits on auto and home; we'll make sure you meet them.