About Us
Apple Insurance Specialists is an Austin-based insurance company offering a wide range of cost effective solutions to individuals, families and businesses. For over 12 years we have provided exceptional customer service and comprehensive insurance coverage to our customers. As independent insurance agents in Austin, we offer a selection of insurance policies through trusted insurance companies such as, Travelers, Hartford, and Progressive. Our #1 priority is to provide each customer with insurance quotes representing the best value and the protection they need to safeguard their business and personal assets.
| Umbrella Insurance |
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 Apple Insurance offers customers added security through an umbrella insurance policy. Liability insurance is provided through your various insurance policies. However, the liability is designated at a certain amount for each insurance policy. Your homeowner insurance policy may have a limit, for instance, of 500,000 in liability. Or your auto insurance policy may have a liability limit of 300,000.Umbrella insurance provides protection in the event of a lawsuit where you are sued for an amount above your liability limit in a homeowners insurance, auto insurance or watercraft insurance policy. Commercial umbrella insurance and business umbrella insurance are also available to companies who want the protection of added umbrella liability insurance. Most people cannot imagine suing an individual or company when an accident occurs. However lawyers will sometimes propose a lawsuit because they believe they can prove that another person or business was at fault. The attorney may propose a lawsuit as a method for obtaining more financial support than the insurance policy covers. An umbrella insurance policy insures individuals and companies for an amount above the liability designated in another insurance policy. The amount of coverage you qualify for depends on the insurance company and the current insurance policies in place. Typically, umbrella insurance can add an additional 1 million to 5 million in liability protection.  An insurance claim may be filed by individuals injured in an accident, who accumulate medical bills, require rehabilitative therapy, or have lost wages due to the negligence of the person or business at fault. The insurance company reimburses claims from the liability portion of the primary insurance policy first. The added liability offered through the umbrella insurance policy is tapped only after the primary insurance liability is exhausted. Umbrella insurance policies are a very cost effective way to protect yourself and your business from a costly legal defense. In addition to claims filed for medical bills, rehabilitative therapy, or lost wages, liability insurance will also pay legal fees. Click for an Umbrella Insurance quote. |
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Personal Lines:
Auto
Home
Umbrella
Motorcycle
Boat
RV
Commercial Lines:
Auto
Property
General Liability
Umbrella
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