Due to the COVID-19 pandemic we are all experiencing, our office is closed to the public until further notice. However, you may reach us by phone at 410-252-8304. Please leave a message and we will return your call as soon as possible. If you prefer you may e-mail Danielle (danielle@wsparks.com), Cecilia (cecilia@wsparks.com), or Bill (insureus@wsparks.com) and we will respond as soon as we can. We look forward to assisting you as we all work together to get through this crisis. Please be safe and stay healthy.

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Personal Catastrophe Liability (Umbrella) Insurance Coverage for MD, VA, PA

What happens if the settlement following an accident far exceeds your insurance coverage?  Although high six-figure awards are still uncommon except in corporate lawsuits, they can happen. Personal catastrophe liability coverage (umbrella insurance coverage) is your answer.  Here at the William M. Sparks Insurance Agency in Timonium, Maryland (Baltimore County), we want to be sure you have that extra protection and avoid such devastating loss.

An umbrella insurance policy offers personal catastrophe liability (umbrella) insurance coverage that extends your financial protection beyond your homeowners, renters, condo and auto insurance coverages. 

The amount of additional coverage is most commonly one million dollars, and some insurance companies offer higher amounts. 

Personal catastrophe liability coverage protects you, your covered family members and your household pets against damages to another person or their property or belongings, whether on your premises or anywhere in the world.

Although claims that exceed what a home or auto policy can provide are still uncommon, a single loss of this type can alter your future.  With an umbrella liability insurance policy, your risk is in the severity of a claim, not the frequency. 

This is a relatively inexpensive type of coverage, so why take the risk?  The experienced representatives at the William M. Sparks Insurance Agency, here in Timonium, MD, can take care of the details.  So contact us to get the protection you need today.


The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the William M. Sparks Insurance Agency before making any decisions or choosing a course of action.

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William M. Sparks Insurance Agency, Inc., Insurance Services, Timonium, MD

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