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umbrella coverage

How to Protect Investments While Paying Medical Bills

December 18, 2021 by Fathom

With over 3 million car accidents happening each year in America, the possibility of unexpected medical expenses should be on everyone’s mind. If a client is involved in an accident with an uninsured or underinsured …

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Categories Handling Claims

Uninsured Motorist Coverage for Lost Wages from Car Accidents

October 18, 2021 by Fathom

I have two clients who are young professionals with significant future earning potential. However, their umbrella policy didn’t include uninsured/underinsured motorist coverage.If someone were to hit them and they couldn’t work, they would want to …

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Categories Coverage Limits

Even Renters Need Umbrella Liability Coverage

September 18, 2021 by Fathom

With no car and a simple apartment, Andrew, the adult child of significant family wealth, thought he didn’t need any insurance. But that’s not the case at all! While a renter’s policy will help with …

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Categories Insurance Review

Is Your Homeowners Insurance Replacement Coverage Accurate?

July 18, 2021 by Fathom

The last time our new client discussed the value of their homeowner’s policy with their previous agent was 12 years and three renovations ago. Our audit found that their property was now worth $1M in …

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Categories Insurance Review

High Net Worth Umbrella Policies & Personal Liability Coverage

June 18, 2021 by Fathom

Our new client recently sold his business and his net-worth quadrupled overnight. This client had an umbrella policy, but it was only $2M because that was the highest limit his broker could underwrite. We encourage …

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Categories Coverage Limits

Have You Been Transferred to an Insurance Call Center?

March 23, 2021March 18, 2021 by Fathom

It is time to end the myth that better service and insurance coverage will increase a client’s premium costs. This week, Brunswick Companies saved the client $3,000 by placing him with a premium carrier. And …

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Categories Insurance Review

Recent Posts

  • One Break Underground Can Cost Five Figures: Service Line Coverage Explained
  • Why OEM Parts Coverage Is Essential for Protecting Luxury and Collector Vehicles
  • The Hidden Risk Even Wealth Can’t Shield: Why UM / UIM Coverage Matters More Than You Think
  • Why Standard ALE Coverage Falls Short for Affluent Households — and What to Do About It
  •  When Rebuilding Isn’t the Right Choice: Understanding the Cash Out Option

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