Q: I know umbrella insurance is sometimes necessary for coverage gaps, but how do I know if it is necessary? Does TW offer umbrella coverage?

A: As with any coverage questions, we suggest you go right to your independent agent for the answers. If he or she can’t tell you right away, the agent’s easy access to a TW underwriter will give you the answer you seek quickly.  Umbrella coverage is offered under all our major lines of coverage— your home, your business and your farm. Our commercial umbrella covers over and above the retained limit of your policy and is essentially a protection against catastrophic loss. Our personal umbrella serves a similar purpose covering net losses beyond the limit of your primary policy that are not business-related.

Did You Know?

The incentive for agents to deal with Tuscarora Wayne Insurance Company is the personalized relationships between agents and underwriters. The underwriters know the agents and the agents understand the risks in their areas," says Todd E. Salsman, TW's Chief Operating Officer (COO). Jay W. Chadwick, Chairman/President/Chief Executive Officer, credits "disciplined underwriting and easier access to decision making" in this simple but effective approach.