Your peace of mind deserves more than the basics—it deserves extra protection. Wisconsin Mutual Umbrella Insurance provides an added layer of liability coverage beyond your home and auto policies, helping safeguard your assets, future, and financial security.

From covering unexpected claims to protecting against life’s bigger risks, we make it simple to extend your security and confidence—because when it comes to protecting what matters most, more coverage means more peace of mind.

COMMON UMBRELLA COVERAGES


Personal Injury

Personal Injury Coverage


Covers claims such as libel, slander, defamation, false arrest, wrongful eviction, and invasion of privacy.

Property Damage

Property Damage Coverage


Provides coverage for damage to others’ property when the loss exceeds the limits of your underlying policies.

Bodily Injury

Bodily Injury Liability


Protects against claims for injuries to others when your underlying auto or home liability limits are exceeded.

Legal Defense

Legal Defense Costs


Pays for legal defense expenses in addition to the policy limit, even if a claim is groundless, false, or fraudulent.

ADDITIONAL COVERAGES


Higher Liability

Higher Liability Limits


Policy limits can be increased up to $5,000,000 with underwriting approval.

Farm Umbrella

Farm Umbrella Program


Available for qualifying farmowners who have underlying WMI policies.

Business Umbrella

Business Umbrella Coverage


Coverage may be extended to certain business or incidental office exposures if underlying coverage is in place and meets minimum limits.

Rental Properties

Rental Properties Coverage


Coverage can be extended to rental units, with additional premium charges per unit.

Rec Vehicles

Recreational Vehicles Coverage


With prior approval, may include exposures such as motorcycles or other vehicles not covered under primary policies.

AVAILABLE DISCOUNTS


Umbrella/Home

Umbrella/Home Discount


Add an umbrella policy to your homeowners coverage and unlock additional savings. More protection, less cost.

Licensed Agent

Licensed Agent Discount


A licensed agent appointed with WMI who is a named insured on their WMI policy qualifies for a 10% discount on their umbrella policy.

Need more Information?

Find your agent today!