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Umbrella insurance, or excess liability insurance, provides added protection above and beyond your home and auto policies in case you are held personally liable for bodily injury or property damage.

For example, if you injure someone in an auto accident and the damages exceed your auto policy liability coverage, your Umbrella Policy will kick in and provide additional coverage up to the limit of your policy.

The amount needed to pay awards or settlements for serious injuries can be high. As your income and assets increase, an Umbrella Policy becomes even more vital to a sound financial plan. Umbrella Policies provide a lot of protection for a reasonable price: the annual cost for a policy starts at about $200.

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“My husband Kevin and I have been insured through PEMCO with Christopher Togawa as our agent for the last 20 years. We have always appreciated the prompt professional service from Christopher and his staff - quick response to our inquiries and Christopher has always made sure we had the correct insurance coverage as our lives (and circumstances) have changed over the years. In any business relationship, trust is paramount and Christopher has become a trusted insurance advisor who has taken the time to get to know us. This year we put that trust to the test as had our first ever claim when our property was burglarized. Kevin and I were overwhelmed with the outstanding customer service received from Christopher, his staff, and our PEMCO Claims Adjuster. You never really know how good your insurance is until you have a claim, and Kevin and I felt like everyone at Pemco had our back as we sorted through the claims process - start to finish. We simply couldn’t have made it through the violation of being burglarized and claims process without the help of Christopher Togawa and his team.”

-Elen A. Sale, 200 RYT Yoga Alliance, ACE-Certified Group Fitness Instructor, Ele Sale Wellness LLC

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