Umbrella Policies

Sometimes we are involved in accidents that injure other people or property and need more protection than our basic coverage provides.  An Umbrella Policy can protect your hard earned assets when these things occur.

Umbrella Insurance Policies – Rhode Island

An Umbrella Policy acts just like its name suggests, it provides at least $1,000,000 in added liability coverage like an umbrella over your Homeowners, Automobile and Boat Policies.  One policy adding to all of your primary policies – a real “One size fits all” addition. Umbrella policies are available in increments of $1,000,000 up to at least $10,000,000.  Plus they are surprisingly affordable considering all that they provide.  No one intends to have an accident causing serious injury, but that’s why they are called “accidents” and they happen every day.  You never know when you might need added Liability Coverage to protect you and your family.

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I am always pleased to know that whenever I call Burns & Cotter an actual person answers the phone. The staff is very knowledgable and helpful. They conduct business the way it's supposed to be, reliable and personable.

-Courtney Buteau

I've worked with Deb for over 5 years. Each year she searches for the lowest rates and has my business best interest in mind. She responds in a timely manner and is very thorough with her job.

-Shawna Manning

I have worked with Burns & Cotter for over 10 years for various combinations of home, car and business insurance and couldn't be more pleased. Vivien has always taken great care of me, and it is a pleasure to deal with the entire office.

-Elias Laham

I have had my insurance policy through this agency for 10+ years -- great service, friendly staff, would highly recommend them!

-A Google User

    Umbrella Policies

    Sometimes you need more coverage than your home, auto or boat policy provides. We'll offer the right umbrella for you.

    Review New Policies Annually

    Read your policy carefully at every renewal; there may be changes that you should be aware of.

    An Umbrella Policy Extends Your Protection

    Do you have enough coverage to protect your assets? Let us quote an Umbrella Policy for you.

    Annual Review

    Remember to review your insurance coverage at every renewal to ensure adequate coverage.