Umbrella Liability Insurance

At W.B. White Insurance, we understand how important it is to be fully covered. Sometimes your insurance policy leaves you short, causing you to make up for the lack of coverage out of your own pocket. You don’t want to leave your family or your business in a vulnerable position, which is where umbrella liability insurance comes in.

Umbrella liability insurance provides additional liability insurance above and beyond your basic policy. Under the broad category of umbrella liability is both personal umbrella liability insurance, designed for those who need additional coverage for their home, automobiles or watercrafts, as well as commercial umbrella liability insurance, designed for business owners. Umbrella liability insurance also provides protection against injury and damage to someone else’s property. It protects you against libel, vandalism and slander. Businesses are high-risk ventures, meaning that they can always benefit from additional protection like commercial umbrella liability insurance.

Umbrella liability insurance is also particularly beneficial for families who either own many assets or have a few expensive assets that would make them at more of a risk for being sued. Whether you are a family with a house and car or a business owner (or both!), an umbrella liability insurance policy can provide you with peace of mind.

Our team of professionals at W.B. White Insurance understands the growing costs for families and business owners alike. This is why we aim to provide you with affordable insurance. We are able to offer you the most affordable umbrella liability insurance with competitive umbrella policy rates due to our contracts and connections to many other insurance companies.

Our insurance brokers will ensure that your umbrella liability insurance policy is tailored exactly to your own needs. We take time to explain everything to you so that there isn’t any confusion. We know that you are busy and want communication to be carried out as efficiently as possible. That’s why each policy comes with a dedicated Account Manager, which means that you will get to speak to the same person every time you need to give us a call. By choosing us, you can ensure that you will get:

Affordable, competitive rates
Extensive coverage – only what you need
Efficient customer service – no hassles
Fast processing of claims
Discounts

W.B. White Insurance has been in the insurance business for over 50 years, establishing ourselves as the leader of insurance in the Durham region in that time. We are proud to say that we were awarded with the Award of Excellence as the Ontario Brokerage of the Year in 2013. We are one of the most trusted and reliable insurance companies in the business.

We offer a range of additional insurance services and products in addition to umbrella liability insurance and commercial umbrella liability insurance, including:

Personal Insurance

This includes recreational insurance (boat, motorcycle and Seadoo insurance), home insurance, automobile insurance, farm insurance, party alcohol & event liability insurance and more

Commercial Insurance

To get an umbrella liability insurance policy today, contact one of our insurance professionals at either our Oshawa office (905-576-6400) or our Lindsay office (705-340-5400).

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We’ve got the insurance you need.

At W.B. White Insurance, we offer a wide range of options for industrial insurance. Whether you require industrial insurance in the construction, concrete or contractor spaces, we can help you to get the right industrial insurance to meet your unique needs. Teaming up with the most reputable insurers in the marketplace means that we will be able to get your coverage from an industrial insurance agency that understands your business and your needs.

The sorts of industries that we can help include, but are not limited to, the following:

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Roberta B

2024-05-30

My brother, who is a long-time client of W B White, referred me to them, and in particular Michelle. I was dropped instantly by my previous insurer because I moved and one car came with me and the other car stayed back with my daughter. I was stunned and couldn't believe this had happened. Michelle and her team instantly got to work and found us better insurance for a lesser price. I ended up gifting the car to my daughter and everything has worked out beautifully. Throughout the stressful process, Michelle worked diligently and professionally to get us covered the next day. I cannot say enough, how wonderful and friendly and helpful she is. No wonder my brother, who has very high standards, has been utilizing her and W B White's services for so long. Highly recommend their services. Thank you, Michelle.

Gary Thompson

2024-04-19

I have been dealing with W B White Insurance since the mid 1980's, around 40 years. In all these years they have always been attentive to my needs. Always made me feel an important client to them. Their premiums have always been fair, both home and auto. And yes I have periodically checked with other insurance agencies over the years to ensure that is the case. Good service and good premiums are important (price is not always everything). Recently, I had cause to make some changes to my auto insurance plan and was extremely happy with the service I received. My current Account Manager and has been for several years now, Michelle Hughes, handled things promptly, made the changes happen almost instantly. She is a real pleasure to deal with and makes things so easy for me. I am and will continue to not only be a client of W B White, but will also ensure I continue to recommend them to friends/family and neighbours. Gary

Al Muise

2024-04-01

The best insurance company I’ve ever dealt with . Great customer service and amazing people ( my broker is Michelle Huges) Honest people doing exceptionally great work to save me money and keeping me protected.

T K

2024-03-12

I felt after many years of being with this company it was definitely time to change. The service was very poor and the communication was low level. Many instances where when I told them something it was not changed to be reflected on my policy and when I called them out on it went unacknowledged. Glad to be with my new agency that literally saved me over $1000 and a much better policy.

Jamie Krol

2023-11-03

My broker is Vanessa, and she failed to provide me with the correct information regarding my policy. (Also very defensive and rude) And during my cancellation process, I was misinformed twice. I had asked her clarifying questions and she assured me everything was OK, when I contacted her again she was denying and defensive and immediately handed me over to someone else.

Richard Yaworski

2023-11-03

I have been a client for years with W B White Insurance, great service and have never had any issues. I highly recommend them it you are looking for Home and Auto insurance.

Kyle Pearn

2023-09-20

Alanna has been attentive, easy to talk too and quick to answer any questions and concerns. I felt like she has truly gone above and beyond to take care of all my needs and wants when it comes to coverage. I want to provide the best I can for my staff, and make sure they and their families have sufficient coverage should anything happen. You need to trust your provider and broker. I can honestly say I trust Alanna 100% . Thank you !

Jordan Gladden

2023-06-30

Amazing company and phenomenal staff! 10/10 !

Michelle Pereira

2023-06-14

Efficient and pleasant!

Rikie Pennings

2023-05-16

Amanda was very helpful and thorough in discussing my questions.