Enjoy better coverage at a low cost.

Call 800-860-1060 or click the "START QUOTE" button now.





Frequently Asked Questions About Umbrella Insurance

Who needs a Personal Umbrella?

You do not need to be wealthy to be sued for millions.  Juries determine damages based on the severity of an accident, not your ability to pay those damages.  Do you own or drive a vehicle?  Do you own or rent a home?  Do you want to protect the assets and investments that you worked hard to accumulate?  If you said yes to any of those, you need an umbrella.  The truth is EVERYONE needs an umbrella. 

What is a Personal Umbrella?

Your auto, homeowner, boat or recreational vehicle policies do have limits to the amount of coverage they provide.  An Umbrella policy protects you against claims that exceed the coverage limits of those policies.

Why is it important to have a Personal Umbrella?

Unfortunately, accidents happen.  Sometimes accidents can be severe.  In these instances, you are vulnerable to legal action.  Would your primary policies provide the coverage that you need?  If the settlement is more than what your primary policies can pay, it is your responsibility to pay the rest of the settlement.  You could be forced to sell your home, vehicles, liquidate personal investments or have your future wages garnished.  This could be devastating to you and your family.

How much does it cost to add millions of dollars of coverage?

A personal umbrella is actually one of the best values in insurance today.  You can obtain an additional $1 million of coverage for as low as $150 per year.  That’s about $0.43 a day to protect you and your family!

Enjoy the Hummel Group Difference

We Shop For You!
As an independent insurance agency, we're not bound to one insurance carrier and will shop around until we find the custom plan that's perfect for you.

Superior Support During a Claim
Unlike most insurance agencies, we have 3 full-time claims managers whose sole job is to make sure our client's claims go as smoothly and as stress-free as possible.

We Pick Up When You Call!
Expect to be connected to your friendly, dedicated account manager within seconds when you call us. No "touch-tone-run-around" or different person every time you call!

Earning Your Trust Since 1957
  • image of man drawing umbrella that is protecting a family

Since 1957, Hummel has been building its business on its uncompromising values of integrity, trust & hard work.
We recommend umbrella insurance, because we care about you and want to help you protect the financial future you have worked hard for.


Hummel Group is a Trusted Choice Independent Agency. 
To learn more about what this means for you, take a look at the Trusted Choice Pledge of Performance by clicking the Trusted Choice logo.

Claims Service You Can Count On.
If you need to submit a claim, you get one of our full-time claim specialists to advocate for you with the insurance company and support you through the entire process, step-by-step.


Gain your own risk management team to upgrade your family's armor today, without breaking your budget!

Technology When You Want It, People When You Don't
  • woman on Hummel mobile website

Take advantage of our online Client Portal and Insurlink mobile app to:

  • access policy information
  • print ID cards
  • request changes
  • report claims
  • and more!

But of course, we are always just a phone call or email away, and are more than happy to help you with anything you need. 


Click here to sign up for a Client Portal and InsurLink login.

We're Your "One-Stop-Shop" - Bundle Our Services & Save!

Take advantage of the discounts provided when you bundle multiple policies, such as home and auto.  Do you need an umbrella policy?  Is your boat covered on your home policy?  Do you know how you are paying for your child's college education?  Click the links below to learn about our additional services.

Areas We Serve
  • map of Ohio and Indiana locations

We are based in Ohio and Indiana and have offices located within the following cities. So if you're close to one of them, feel free to stop by and say hello.  

Office Locations:

We are able to write policies in multiple states beyond Ohio & Indiana, please contact us to check availability in your state.

The Next Step is Easy

Call us at 800-860-1060 or request a quote.