The top-rated umbrella insurance agent in Cleveland, Ohio is Mike Fabert - State Farm Insurance Agent, rated 4.9 stars across 169 reviews. Other highly rated options include Ralph P. Sills Insurance Agency, Four Point Insurance Agency, Inc., Evarts Tremaine. This directory lists 16 umbrella insurance agents serving Cleveland.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mike Fabert - State Farm Insurance Agent | Hts, 2491 Lee Blvd | (216) 932-6900 |
| 2 | Ralph P. Sills Insurance Agency | 13854 Cedar Rd | (216) 321-8033 |
| 3 | Four Point Insurance Agency, Inc. | 750 Prospect Ave E APT 706 | (216) 704-6307 |
| 4 | Evarts Tremaine | 1111 Superior Ave Suite 1650 | (216) 621-7183 |
| 5 | Gluckle Insurance Agency | 4768 Broadview Rd | (216) 404-7511 |
| 6 | Insurance Systems Group, Inc. | 3 Summit Park Dr #525 | (216) 236-7760 |
| 7 | Brooks & Stafford Company | 55 Public Square #1650 | (216) 696-3000 |
| 8 | Oswald Companies | Oswald Tower, 950 Main Ave Suite 1800 | (216) 367-8787 |
| 9 | Smart Insurance Cleveland | 4421 W 150th St | (216) 220-6691 |
| 10 | Cleveland Insurance Inc | 5851 Twin Lakes Dr | (216) 354-2036 |
Mike Fabert - State Farm Insurance Agent serves the Cleveland, Ohio metro area as an umbrella insurance agent. The agency provides liability coverage that extends beyond standard home and auto policies to protect clients from major claims and lawsuits. It offers policies designed to cover legal costs and damages that exceed underlying insurance limits. This agent handles personal umbrella policies for local residents and commercial umbrella coverage for small businesses in the Cleveland region.
Ralph P. Sills Insurance Agency provides umbrella insurance coverage designed to extend liability protection beyond standard policies for clients in the Cleveland, OH area. The agency offers personalized risk assessments and policy reviews to ensure adequate asset protection, with maintenance services that include annual policy updates and coverage adjustments based on changing client needs. These comprehensive plans safeguard against large claims and lawsuits. The agency serves a variety of property types, including single-family homes, apartments, retail establishments, and restaurants.
Homeowners, property managers, and businesses in Cleveland, OH, turn to Four Point Insurance Agency, Inc. for umbrella insurance coverage that extends beyond the limits of standard liability policies. The agency helps clients protect their assets against major claims and lawsuits by providing an extra layer of financial security. Its team works to match each client with appropriate coverage levels tailored to individual risk profiles. Four Point Insurance Agency, Inc. also serves clients throughout the broader Cuyahoga County metro area, including nearby communities like Lakewood.
Evarts Tremaine serves clients in Cleveland, Ohio, and the surrounding communities with umbrella insurance agent services. The agency handles high-limit liability policies designed to extend coverage beyond standard auto and homeowners insurance, providing an extra layer of financial protection for local residents. Its approach to a typical job involves assessing each client's existing policy limits and potential exposure, then carefully recommending a personal umbrella policy that matches the specific risk profile of that individual or family.
Gluckle Insurance Agency in Cleveland, Ohio offers one-time policy placement for families seeking immediate umbrella liability protection or recurring annual coverage options for ongoing asset shielding. Their work focuses on extending liability limits beyond standard home or auto policies, safeguarding clients against major claims or lawsuits. This agency serves homeowners, renters, and vehicle owners across the Cleveland metro area. Service for new coverage runs on a one-time basis, while existing policies are reviewed and renewed on a scheduled annual cycle.
Insurance Systems Group, Inc. specializes in personal umbrella liability coverage for Cleveland residents, offering an extra layer of protection above standard auto and homeowners policies. The agency also handles general insurance services, helping clients evaluate their existing coverage gaps. Umbrella insurance safeguards personal assets and future earnings against costly lawsuits from accidents or property damage. As spring storms increase the risk of visitor injuries on neighborhood properties, the agency advises policyholders on higher liability limits to maintain comprehensive defense against such seasonal claims.
Brooks & Stafford Company operates as an umbrella insurance agent in Cleveland, Ohio, providing general liability policies that extend coverage limits above standard business insurance. The agency specializes in supplemental protection against catastrophic claims and large-scale legal judgments. It serves commercial sectors including offices, warehouses, and food service operations, helping these businesses manage elevated risk exposures with broader policy layers.
When autumn storms sweep through northeast Ohio, the added protection of an umbrella insurance policy can help shield property owners from costly liability claims. Oswald Companies in Cleveland assists local clients in evaluating risks that may exceed standard homeowners or auto coverage limits. Their agents explain how an umbrella policy can extend financial safeguards across multiple personal assets. The process begins with a thorough review of existing policies and an assessment of each client’s specific exposure, followed by a complimentary initial consultation.
Smart Insurance Cleveland in Cleveland, OH provides residential umbrella insurance coverage that extends liability protection beyond standard homeowners policies. The agency also offers umbrella policies tailored for commercial clients seeking additional liability layers. Serving Cleveland and the surrounding region, it helps individuals and businesses manage broader financial risk. Clients often return between regular visits to adjust coverage as personal or company assets change, ensuring ongoing protection remains aligned with evolving needs.
Cleveland Insurance Inc is an umbrella insurance agent in Cleveland, Ohio, known for providing extra liability coverage that extends beyond the limits of standard homeowners and auto policies. Its service range includes tailoring policies for individuals and businesses seeking added protection against major claims and lawsuits. This coverage helps safeguard assets such as savings, future earnings, and property from unforeseen legal expenses. The company offers potential add-on protection for specific risks like libel, slander, or certain rental property liabilities.
What Does an a Umbrella Insurance Agent in Cleveland Cost?
The cost of an umbrella insurance policy in Ohio typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million can cost 300 to 1000 dollars annually. Premiums vary based on your driving record home value number of properties and claims history. This is general information and not insurance advice.
About umbrella insurance agents in Cleveland
Umbrella insurance agents in Cleveland Ohio help residents and businesses add an extra layer of liability coverage beyond standard policies. Ohio law does not require umbrella insurance but it can protect assets in lawsuits. Agents can explain how Ohio's comparative negligence rules affect claims and coverage needs.
Frequently Asked Questions
What does an umbrella insurance agent in Cleveland do?
An umbrella insurance agent helps you purchase a personal or commercial umbrella policy that provides additional liability limits. They review your existing auto home or business policies to find the right coverage amount. The agent also explains how the policy responds after underlying limits are exhausted.
How much umbrella coverage should I get in Ohio?
Common coverage limits in Ohio start at 1 million dollars and go up to 5 million or more. The right amount depends on your assets income and risk factors. An agent can help you calculate a suitable limit based on your net worth and potential lawsuit exposure.
Does Ohio law affect umbrella insurance policies?
Ohio follows a comparative fault rule which means your compensation can be reduced by your percentage of fault. This makes umbrella coverage important for protecting assets if you are found partially liable. Ohio also has a statute of limitations for personal injury lawsuits of two years from the date of injury.
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