203-877-1570
Toll-Free: 877-977-1570
Monday – Thursday: 9:30 a.m. – 8 p.m.
Friday: 9:30 a.m. – 6 p.m.
Saturday: 9:30 a.m. – 4:30 p.m.
“We Insure Connecticut”
Policies & Financial Planning
Umbrella Policies
Today, lawsuits are everywhere. Lawyers are awarding larger amounts of money than ever. Homeowners’, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.
Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners’, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional $1 to $5 million in liability protection. This protection is designed to “kick-in” when the liability on other current policies has been exhausted.
Liability insurance is the portion of a homeowners’ or auto policy that pays for expenses such as the injured person's medical bills, rehabilitative therapy, and lost wages due to the negligence of the at-fault person. The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at-fault person in the courtroom.
Get an Online Umbrella Policy Quote
Financial Planning and Investments
Financial decisions are becoming more complex and so are the options. If you are planning for a child’s education, saving for a home or a secure retirement, we can help. Douglas Harrigan is a certified financial planner (CFP), and advises clients on developing plans and investment choices to achieve their goals. We at Harrigan Insurance & Financial Services Inc. offer a full array of investment choices that enable us to customize an appropriate plan to achieve your particular financial objectives. Please contact us for an appointment.
Douglas P. Harrigan, C.F.P.
1201 Boston Post Road
Milford, CT 06460
(Post Mall, Lower Level)
203-877-1570
Toll-Free: 877-977-1570
harrigan@snet.net
Monday – Thursday: 9:30 a.m. – 8 p.m.
Friday: 9:30 a.m. – 6 p.m.
Saturday: 9:30 a.m. – 4:30 p.m.
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