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About Us



Apple Insurance Specialists provides business insurance and commercial insurance policies to a diverse range of companies. For over 12 years Apple Insurance has provided exceptional customer service and comprehensive insurance coverage to clients. As independent insurance agents in Texas, we offer a selection of insurance policies through trusted insurance companies such as, Travelers, Hartford, and Progressive. Our #1 priority is to provide each client with insurance quotes representing the best value and the protection they need to safeguard their business and personal assets.
Umbrella Insurance PDF Print

austin umbrella insurance Apple Insurance Specialists offers clients added security through an umbrella insurance policy.  In general, liability insurance is provided through your various insurance policies.  However, since the liability is designated at a certain amount for each insurance policy, there are limitations.  For instance, your homeowner insurance policy may have a limit of 500,000 in liability, and your auto insurance policy may have a liability limit of 300,000.

Umbrella insurance policies provide additional protection in the event of a lawsuit where you are sued for an amount above your liability limit in a homeowners insurance, auto insurance or watercraft insurance policy.

Apple Insurance offers commercial umbrella insurance and business umbrella insurance to companies who want the added protection of umbrella liability insurance.

Most people cannot imagine suing an individual or company if an accident occurs.  However, a lawyer will sometimes propose a lawsuit because he or she believes they can prove that another person or business was at fault.  This attorney may propose filing a lawsuit as a technique to obtain more financial support than the insurance policy covers.

An umbrella insurance policy provides additional protection, insuring individuals and companies for an amount above the liability designated in another insurance policy.  The amount of coverage you or your business qualifies for depends on the insurance company and the current insurance policies in place.  In most cases, umbrella insurance can provide an additional 1 million to 5 million in liability protection.
austin umbrella insurance

Insurance claims may be filed by individuals injured in an accident, who require rehabilitative therapy, accumulate medical bills, or have lost wages due to the negligence of the person or business at fault.  The insurance company initially reimburses claims from the liability portion of the primary insurance policy.  The additional liability provided through an umbrella insurance policy is tapped only after the primary insurance liability is exhausted. 

An umbrella insurance policy is an extremely cost effective way to protect yourself or your business from a costly legal defense.  In addition to claims filed for rehabilitative therapy, medical bills, or lost wages, umbrella insurance will also pay legal fees.

Click for an Umbrella Insurance quote.
 

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Testimonials

Prompt and Accurate
In my business, getting Certificates of Insurance ASAP is of utmost importance after all, Time is Money. Apple Insurance Specialists make sure that the Certificates are delivered on time and have the information needed so I can complete my work.

Martin
General Contractor
The Extra Mile
When I was told that I needed Workers Comp or I could not deliver my load, one of my trucking buddies recommended Apple Insurance Specialist. The rest is history. This is my second year to renew with them.

Squire
Truck Driver
They Take the Time
I own a business in Austin, Texas and Apple Insurance Specialists took the time to explain the different policies and what they covered. Now I have the right coverage and the right premium to protect my business.

Mark J., Austin TX
Savings for Young Drivers
We have young drivers in our house and Apple Insurance saves us $350.00 per year.

Tom, Austin TX
Combine Your Policies
Apple Insurance Specialists was able to combine my home, auto, and umbrella policies together. They placed me with an A rated company and it was painless.

Susan
Greater Coverage
I just switched my home and auto insurance policies. Apple Insurance Specialists was able to save me money AND provide greater coverage!

Maggie, Austin TX

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