Personal Liability & Life Insurance

Because Coverage Should Go Beyond the Basics

Sometimes, standard policies don’t stretch far enough. Whether you’re protecting your assets or securing your family’s future, personal liability and life insurance provide an essential layer of long-term security.



We help individuals and families across California—and throughout the U.S.—find the right mix of liability and life coverage for their unique needs and goals.

A woman is holding a little boy on the beach.

What We Cover

  • Umbrella Insurance: Adds extended liability protection above and beyond your auto, home, or renters insurance. It’s there for when the unexpected becomes expensive.


  • Life Insurance: Options for term or permanent life coverage, offering financial support to your loved ones in the event of your death—plus peace of mind for you today.
Why It Matters

Protect More Than Just Property—Protect Peace of Mind

Lawsuits, accidents, and unexpected life events can have serious financial consequences. Personal liability and life insurance don’t just cover you—they support the people who rely on you.



From higher liability limits to long-term family planning, we’ll walk you through the options and make sure you’re not only covered—but comfortable with what you have.

FAQ

  • What does umbrella insurance cover that standard insurance doesn’t?

    Umbrella insurance kicks in after the limits of your auto, home, or renters insurance have been exhausted. It covers high-cost liability claims, legal fees, and damages beyond basic policy caps.

  • Who needs life insurance?

    Anyone with financial dependents—like a spouse, children, or aging parents—can benefit from life insurance. It helps ensure your loved ones are supported if you’re no longer around to provide for them.

  • What’s the difference between term & permanent life insurance?

    Term life provides coverage for a set number of years (e.g., 10, 20, 30), while permanent life (such as whole or universal) lasts your entire life and may include a cash value component.

  • Can umbrella insurance cover rental properties?

    Yes, umbrella policies can extend liability protection for rental property owners—especially when paired with landlord insurance.

  • Is life insurance through work enough?

    Employer-provided life insurance is a great benefit, but it often falls short of what your family may need long term. A personal policy offers more flexibility and higher benefit potential.

Get In Touch Today

Protect What You’ve Built—And the People Who Matter Most

From legal claims to lasting support, we’ll help you build a strong layer of protection around your life, your assets, and your future.