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Red Rock Insurance

2760 Lake Sahara Dr. Ste 100
Las Vegas, NV 89117

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Why would I need umbrella insurance in Las Vegas?

Most people are unfamiliar with umbrella insurance. If you live or do business in Las Vegas, NV, you may have policies for home, auto, business, or commercial insurance through Red Rock Insurance. Those policies protect you in those specific areas.

However, sometimes that coverage isn’t enough. An umbrella policy adds a great deal of extra coverage for a surprisingly reasonable rate.

What Kinds of Umbrella Coverage Can You Get?

One common example is automobile insurance. States require a minimum amount of coverage for each driver, but the amount of coverage is often not enough. For instance, if you are responsible for serious medical injuries as part of an accident, the money is used up fast. An umbrella policy provides protection beyond what your regular policy provides. 

Another common example involves commercial insurance. If someone sues the company for an amount in excess of your policy limits, it may take all the company’s resources to pay for the claim. With an umbrella policy, your protection increases.

How Does Umbrella Insurance Work?

An umbrella policy will not pay out until your regular insurance is exhausted. In other words, you need to have a policy as a basis for your umbrella policy. So if, for instance, your auto insurance has a medical limit of $100,000, the entire $100,000 must be paid before your umbrella policy kicks in. An umbrella policy covers you in bad times when your regular policy fails you.

Reach Out To Us

Living and working without umbrella insurance in Las Vegas, NV may leave you and your family exposed to unnecessary liability. If you want to have better protection or if you just have questions, call Red Rock Insurance today.

The Benefits of Having an Umbrella Insurance Policy for Small Businesses

Many small business owners in Las Vegas, NV are under the impression that their business is too small to need an umbrella insurance policy. However, this couldn’t be further from the truth. In reality, small businesses are often the ones who need umbrella insurance the most. At Red Rock Insurance, we understand the unique needs of small businesses and we’re here to help you get the coverage you need to protect your business from any potential liability.

Here are just a few of the benefits of having umbrella insurance for your small business:

What is Umbrella Insurance? 

This policy is a type of liability insurance that provides coverage over and above the limits of your other policies, such as homeowners and auto insurance. Umbrella insurance also covers claims that other policies exclude, such as slander, false arrest, and libel.

Why Do Small Businesses Need Umbrella Insurance? 

Small businesses are often targets of lawsuits because they usually don’t have the deep pockets that large corporations do. This means that if your small business is sued, you could end up losing everything — your home, your savings, and your livelihood. Umbrella insurance can provide you with the financial protection you need in case of a lawsuit.

How Much Does Umbrella Insurance Cost?

The cost of umbrella insurance depends on a number of factors, including the size of your business, the type of business you have, your claims history, and the amount of coverage you need. However, umbrella insurance is relatively affordable, especially when you consider the peace of mind it can provide.

Get Umbrella Insurance for Your Business Today

As a small business owner, you can’t afford to take chances when it comes to protecting your business. An umbrella insurance policy from Red Rock Insurance in Las Vegas, NV can give you the peace of mind you need to know that you and your business are protected from any excessive claim. Contact us today to learn more about our umbrella insurance policies.

Exploring The Benefits Of Umbrella Insurance

Red Rock Insurance serves the Las Vegas, NV community. We offer our clients flexible policies designed to meet their needs. We work with different carriers throughout the region. We look forward to helping you protect your assets.

Exploring The Benefits Of Umbrella Insurance

Accidents can happen at any time. If things take an unexpected turn, it’s important to have protection. Perhaps you are having a party at your Las Vegas NV residence. Perhaps one of your guests is injured. Maybe they are playing on a trampoline, and they suffer a serious injury. You could face legal action. Perhaps you are enjoying a night out and consume alcohol. Due to being intoxicated, you cause a serious auto accident. Umbrella insurance can prevent you from losing everything in these situations.

Umbrella insurance helps protects your assets by covering you when your liability limits on other policies have been reached. Umbrella insurance is generally used to supplement home and auto insurance liability coverage. While researching policies, assess the total worth of your assets. You want to make sure that you have enough umbrella coverage so that you are never at risk.

If you serve on the Board of Directors of a corporation, you’ll also need to consider adding umbrella insurance if you are facing legal action due to defamation of character, negligence, or slander. If you have a pet, umbrella insurance can also be an asset. Perhaps your pet is having a bad day, and they bite one of your neighbors, causing pain and suffering. Umbrella insurance can protect you by covering your neighbor’s medical treatment.

Red Rock Insurance Can Help You Protect Your Assets

Visit our website to learn more information about umbrella insurance.

Partner Carriers


  • Advantage Auto
  • Badger Mutual
  • Mercury
  • Progressive
  • Safeco
  • The Hartford
  • Travelers