Freelancers often juggle multiple roles—marketing, client services, billing, and more. One area that’s easy to overlook in a freelance business is insurance. While general liability or professional liability coverage may already be in place, umbrella insurance provides an extra layer of protection that freelancers might not realize they need—until it’s too late.

What Is Umbrella Insurance?

Umbrella insurance is designed to cover costs that exceed the limits of your existing policies. For instance, if a client sues you for defamation or negligence and wins a settlement that surpasses your liability coverage, umbrella insurance can step in to cover the difference. This type of coverage helps protect your personal assets, such as savings, property, or investments.

High-Risk Freelance Work

Freelancers working in high-risk fields like consulting, media, tech, or creative services are especially vulnerable to lawsuits. Even if you win the case, legal defense costs can be significant. Umbrella insurance can help cover legal fees, providing peace of mind and financial security.

Businesses With Complicated Liability

Many freelancers blur the lines between business and personal life by using a home office, driving their personal vehicle for business purposes, or meeting clients at non-business locations. These situations can complicate liability, making umbrella insurance coverage even more valuable.

Contact Janis-Shunta Insurance, Proudly Serving Muskegon

Whether you’re looking to increase your existing coverage or purchase a new policy for the first time, the team at Janis-Shunta Insurance, serving Muskegon, MI, is here to help. Contact us today to learn more about our policies or stop by our office. We look forward to assisting you!

Not only do you have a lot of assets that need to be protected, but some incidents can happen where you may need insurance. For instance, if you or a company or nonprofit you work for gets sued, you may want insurance to cover legal costs. Insurance is for taking care of all the unexpected catastrophes that can happen in life. Umbrella insurance can cover you in any situation, saving you the trouble and expense of getting separate policies for vehicles, real estate, and so forth. It may take some time, but you can do it! 

Protecting Your Assets 

Before buying any insurance, you have to identify your risks. Do you drive? How far and how often? Adding anyone to your insurance?  Do you have any hobbies that are dangerous or require expensive equipment? Do you have an attractive nuisance like a pool or trampoline? Do you often host social events? You may need to take stock of anything you could lose in a disaster, including monetary loss in the form of medical bills or lawsuits. Once you understand what’s at stake, you can appreciate that umbrella insurance can strengthen your primary insurance coverage to protect against unforeseen lawsuits or personal liability claims. When selecting an insurance provider, it is advisable to go with one with a sturdy financial standing plus a known record of supplying reliable coverage. You, of course, want to go with someone with a good background of effective and efficient claims handling. 

Contact Janis-Shunta Insurance in Muskegon, MI

If you are in the Muskegon, MI, area and need umbrella insurance, please get in touch with us at Janis-Shunta Insurance. We’ll help you find the policy best suited to your unique needs.