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Personal Liability

Protecting Lifestyles By Offering High Liability Limits and Personal Umbrella Policies

Perhaps now more than ever before, the importance of having your assets safeguarded from large liability claims is paramount! Whether driving your car or boat, having guests to your home for a social gathering, or simply enjoying a relaxing round of golf, the possibility of an accident occurring and resulting in a substantial liability suit is constantly present in our daily lives. Although you cannot always avoid the accident from occurring, you can have protection from the financial backlash of the lawsuit. 

The Francis J. Craig Agency understands how vital it is to have your assets properly protected in case of liability lawsuit being filed against you or a family member. We offer high liability limits on all of our personal insurance products, including automobile, homeowners, boat, and more, to give you front line protection if a liability claim is filed. 

To give you an even stronger layer of asset protection, we also offer Personal Umbrella and Excess Liability policies. If the worst should happen, and a claim maxes out your liability limit on your primary policy (auto, home, boat, etc), the Personal Umbrella or Excess Liability policy will step up to give you an extra $1,000,000 or more in liability limits. In some cases, the Personal Umbrella policy may even step in if the cause of the claim is not covered by your other policies!

And if you are concerned about the additional cost of a Personal Umbrella or Excess Liability policy, then relax! These policies are generally very affordable, and well worth the additional expense. We hope that you are never involved in such a serious claim that a Personal Umbrella or Excess Liability policy needs to step in, but if it does happen, you will be happy to have paid that additional cost! Give us a call today to see how we can help provide you with an extra layer of liability protection.

Please note that the Francis J. Craig Agency is not able to provide coverage for every applicant. 


Why Choose the Francis J. Craig Agency? We Are Glad That You Asked!

Here are the top five reasons why choosing the Francis J. Craig Agency as your independent agent will be an excellent decision for you, your family, friends, and neighbors:

1) Superior Service - All of our associates are licensed insurance professionals, with strong encouragement to enhance their knowledge of insurance by earning additional certifications by highly respected insurance education organizations. Along with product knowledge, our insurance professionals strive to familiarize themselves with all of our clients on a personal level. The combination of in-depth product knowledge and nurturing personal relationships with clients results in superior service. Quality of service is our core focus, and it is the very foundation of our business, as handed down from its founder, Francis J. Craig.

2) Client Advocacy - As an independent agency, our top priority is to represent you, the policyholder. Although we take our relationships with our insurance companies seriously, it is our ultimate duty to serve the best interest of our clients. We stand by you to help resolve any issues you may experience, whether the issues relate to billing, claims, underwriting, or pricing. As a client of the Francis J. Craig Agency, you never have to feel like you are alone in resolving insurance issues. We are here for you every time!

3) Reputable Partners - As an independent agency, the Francis J. Craig Agency partners with multiple insurance companies, all of which are closely researched before we agree to work with them. Just like we reflect the insurance companies that we choose to work with, the insurance companies that we partner with are a reflection of our agency also. Only those companies with superior claims service, products, and customer experience ratings are welcomed as partners with the Francis J. Craig Agency. We will not represent companies unless we are certain that they share our business values.

4) Saving You Time - Another benefit of having the Francis J. Craig Agency as your independent insurance agent is our ability to do the insurance shopping for you! We personally check each policy that renews for pricing stability. Whether we have advanced notice of a rate increase, or just happen to notice a pattern of price instability, we are proactive in making sure our clients are receiving competitive rates on their insurance policies. When we do need to switch our clients from one insurance company to another for a lower rate, we do the majority of the work for you, simply leaving you to sign the applications and pay the premium. We know you have more important things to do than shop for better insurance rates. 

5) Family Owned and Operated - In the current economic environment of faceless multi-national corporations battling one another for market share, the notion of small, locally run, family owned and operated businesses seems to be a less common thing. From our experience, and that of our clients, we believe this trend is detrimental to our communities, and our nation in general. By being a client of the Francis J. Craig Agency, you are helping to support another family in your community. You will see and recognize the faces of the people that you are helping build a better future for their families. In turn, you will feel our appreciation, and see it in the level of service that we provide to you, helping you to put your hard earned money toward more pressing needs while knowing that your most precious assets are properly insured. In this way, we genuinely feel that our clients are our friends and family. If you are a current client of ours, we extend our most sincere gratitude to you. If you are not currently a client, we warmly welcome you to join our community, and see the difference that a family owned and operated business can offer to you!
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