Umbrella

The best informed and most professional organizations cannot always predict the full extent and potential for loss. Even well crafted, thorough policies with reasonably determined limits of liability can still leave you exposed to catastrophic losses. Umbrella polices provide a final layer of protection and ultimately instill peace of mind.  When losses arising from a catastrophic event exceed limits of liability on general liability, directors and officers, or property/auto policies, an umbrella policy kicks in to cover the gap. Umbrella policies are themselves subject to negotiated limits, so Conservation United will have an open and honest dialogue helping you to make an informed decision. It is possible to under insure.  It’s equally possible to over insure your organization. Our role is simply to inform, to share our experiences, and to help you and your board determine the right amount of coverage for you. Determining the balance of coverage to premium is inherently an imperfect and speculative task, but Conservation United will ensure that you make a fully informed decision based on our sincere interest in supporting and protecting your mission. Our guidance will never be driven by a subtle desire to increase your premium and our commissions.