Enhanced Protection for More Than Just Your Basics

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What is Umbrella Insurance?

Since 1927, Utter Morris Insurance Brokers has been helping families and businesses protect what matters most. Standard home and auto insurance policies include liability coverage—but in today’s world, lawsuits and claims can quickly exceed those limits. That’s where a Personal Umbrella Policy (PUMB) comes in.

Umbrella insurance is extra liability coverage that sits on top of your existing policies (home, auto, etc.). It provides an additional layer of protection when your primary limits are exhausted.

Benefits of Umbrella Insurance

  • A small house model with a gray roof and red and white walls, placed on a wooden surface next to a set of house keys and a blank keychain.

    Extends liability coverage beyond your home and auto policies

  • A globe showing Asia, the Middle East, and parts of Africa and Europe, placed on a white surface with a window in the background.

    Worldwide
    protection

  • Wooden judge's gavel resting on a surface with a shadow cast to the right.

    Covers legal defense costs and settlement expenses

  • A person wearing a light-colored shirt is sitting at a table, writing on a sheet of paper with a black and gold pen.

    Includes personal injury protection (libel, slander, defamation of character)

  • Pink piggy bank with white polka dots on a wooden surface, surrounded by coins, with a warm blurred background.

    Flexible limits:
    $1 million to $10 million

Who Needs Umbrella Coverage?

Everyone can benefit from umbrella insurance, but certain lifestyles and circumstances create higher risks. If any of these sound familiar, it’s time to talk about umbrella insurance.

  • Teenage drivers in the household

  • Owning rental properties or listing on Airbnb

  • Recreational vehicles and boats

  • Volunteering on a Board of Directors

  • Dog ownership

  • Swimming pools, hot tubs, or trampolines

  • Frequent hosting with large gatherings

A large pile of orange umbrellas stacked on top of each other against a partly cloudy sky.

Let’s Talk Insurance That Puts You First.

We believe insurance should be built around you — not just a standard checklist. While policies may look similar on paper, the difference lies in how well they actually protect you when it counts.

At Utter Morris Insurance Brokers, we’re not just brokers — we’re your neighbours in Burlington, committed to looking out for the people and things you value most. From property and auto to business and life insurance, we partner with trusted, responsive insurers and go the extra mile to tailor the right coverage for your needs.

Reach out today — we’re here to help you build a stronger, more secure future.

  • “They went out of their way to take on a difficult file and were able to secure coverage in a pinch. We have also transferred all our insurance products (and my father’s) over to Utter Morris, and I will forever refer friends, family, and clients as I know they will be handled with honesty, integrity, and professionalism. Thank you so much!”

    – Sandy H.

  • "I would like to congratulate all parties involved at Utter Morris, on successfully guiding me through the past few days, and doing so professionally. At each step in the process, I received superior customer service, and will be writing to Travelers to say so. Thank you to all of you."

    – Robert

  • "I moved my commercial insurance from Gallagher after many years, after disappointing experience during renewal stage this year, poor customer service. Working with Utter Morris was a very good experience, complete contrast to earlier one [they] communicated well, professionalism and timely, sourced quotes that have been competitive and I experienced excellent customer service. Thanks."

    – Sayed G.