Personal Umbrella Insurance


Life has gotten much more complicated in the last 160 years. In the old days, wrongs were often settled between neighbors, but today they are more likely to wind up in court, often with steep settlements. Recent awards include a $1.1 million dog bite, $21 million for a DUI accident, and $3.5 million for internet defamation. What would happen to you if you were sued for such a large sum?

At Gilbert’s Risk Solutions, we like to poke holes in a common myth: that Pennsylvania Umbrella insurance policies are only for wealthy people. While it’s true that it’s a great way for people of means to protect their assets, it’s valuable protection for just about anyone. Think that you don’t have anything of value? If you have wages that could be garnished or a nest egg stashed aside for your retirement, then you could be at risk.


In Pennsylvania, umbrella insurance is supplemental liability insurance, an additional layer of defense over and above your home or auto policies. If a third party suffers injury or property damage due to your fault, then your primary insurance will pay first. If damage exceeds your primary coverage, then the Umbrella will kick in.


Umbrella insurance also offers protection for some things that are probably not covered by your primary policy, such as libel, slander or false arrest. It can also cover gaps in your protection and will sometimes cover things that are excluded in your primary coverage.


While we’re proud to call Pennsylvania our home, we’ve helped individuals all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.

You might benefit by Pennsylvania Umbrella Insurance if:


  • You have savings, retirement, or other accounts
  • You are a landlord
  • You have a swimming pool
  • You have a trampoline
  • You have more than one home
  • You have multiple cars
  • You have one or more teenage drivers
  • You have a high net worth
  • You have a prominent public profile
  • You entertain at home frequently
  • You serve on community boards
  • You have an aggressive dog

Our goal is to be your outsourced risk management partner

Business owners know that there’s always something that can go wrong.  Whether it’s a production delay due to a problem in the supply chain or a worker injury on the plant floor, you need to protect your operations, your productivity, and your bottom line. Gilbert’s Risk Solutions can help.

Our goal is to be your personal risk consultant

Protecting your family and your assets should be a top priority, and you deserve an expert partner to help tend your financial health in much the same way as you turn to a doctor to help tend to your physical health. Solid protection against life’s problems requires more than just a quick quote on the internet; it requires thoughtful assessment and effective risk solutions.

Our Approach

We take a consultative, risk management approach to our personal insurance clients. We invest the time to get to know you, to understand your life situation, to learn the things that are important to you and your family, and to know your financial goals. Plus, we take a hard look at your exposures – you may have gaps or exposures that could leave you vulnerable.

Tailored Solutions

We’re experts in insurance and financial products and can identify the right solutions for your particular life situation at the time. Sometimes the least expensive option is right for your situation, other times saving a few dollars now can leave you dangerously exposed later. Needs evolve depending on where you are in your life. We want to earn your trust as a long-term partner and to help you through those changes.

Personal Consultation

Your personal risk consulting team can help you assess the right options for you and your family from a myriad of choices. Your financial security deserves a thoughtful analysis and careful choices. Our service is excellent and earns rave reviews – just ask any of your 3,000 neighbors who put their trust in Gilbert’s Risk Solutions!