Umbrella Policy

While you’ve already done the responsible thing and purchased homeowners or renters insurance, you could still be exposed. Don’t worry, we can help! To offer you and your assets the full protection they need, we offer umbrella liability insurance.

courteous service from Tompkins!”

– Anne A.

Umbrella liability insurance offers you an umbrella of protection over the liability limits of your homeowners and auto insurance policies.

If you find yourself facing significant legal expenses after a car accident, a guest gets injured in your home or a tree falls onto your neighbor’s property, your umbrella policy will step in once your existing coverage limits are exhausted. In short, this policy protects you from unforeseen, significant expense.


Ranked among the top 100 commercial insurance brokers in the nation.

Business Insurance Magazine Top 100

Ranked among the Top 100 independent property/casualty agencies in the nation.

Rochester Business Journal

Consistently ranked among the Top 3 commercial insurance firms in the Rochester/Monroe County area.

The Rough Notes Company, Inc.

Named Agency of the Year.

Insurance Journal's Best Agencies to Work For 2018

We're proud our employees ranked us among the nation's best insurance agencies to work for!