Business

Umbrella

Business Umbrella Insurance Quote

Even if you’re already insured, judgments from lawsuits can exceed the current liability limits on your existing underlying insurance policies, especially under serious circumstances. Personal excess liability policies provide coverage for non-business liability claims, such as defamation of character, libel, slander, and false arrest, that are not covered by your other Farmers GroupSelect insurance policies.

Serious Protection at an Affordable Price

The more assets you own, the more vulnerable you could be. Lawsuits are common and legal costs to defend a suit may not be covered under your underlying policy. Judgments could be substantial; so, personal excess liability insurance could be financially valuable and provide reassurance.

Personal excess liability coverage protects you under the following circumstances:

  • Injuries are sustained by others in your home or on your property and  the damages exceed your homeowners policy’s liability limit.
  • Accidents involving your automobile, boat, or recreational vehicle causing injury to  a third party or loss to his/her property with the damages exceeding your underlying    policy limits.
  • Judgments exceed your current coverage limits.

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Coffee Shop

Liability

Covers risks associated with injuries to customers all the way to wrongful termination.
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Group of employees around a computer

Life

Insurance coverage that can attract and keep employees.
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Gavel on its stand

Crime

Covers theft against money and security committed by employees or others.
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3 Workers talking

Workers’ Compensation

Insurance that covers employees recovery period who have been injured on the job.
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Fire Extinguisher on wall

Loss Control

A service that helps your business increase safety and efficiency measures.
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Local Shop Front

Property Insurance

Coverage for risks of the business building, property, and income.
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Blue Car

Auto

Covers the cost of damaged commercial vehicles you own, rent or lease for your business.
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Get a Free Quote

Thank you for your interest; please feel free to submit a quote request. If you have a question, feel free to ask! Please get in touch with us using the form below or e-mail or call us with any questions you might have.We look forward to working with you.

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Our Team

Mike Urgo - Urgo Agency Owner
Mike Urgo
A Rhode Island native and now a Connecticut resident, Mike Urgo is a highly qualified insurance agent with years of experience. He possesses a diverse background professionally and personally.
Lynn Belanger
Lynn is currently helping manage the operations of the office and is fully licensed in Connecticut Property and Casualty Insurance.
Kristin Wenzloff
Kristin Wenzloff is a 6-year veteran of Farmers Insurance. Kristin is very familiar with all of our central Connecticut customers and is happy to help all of our clientele at any time.

Meet our Clients

Don't just listen to us; hear what a few of our customers had to say about their experience with Farmers.

"Exceptional customer service.  Called me back the next day with a quote.  Staff and Mike Urgo are kind, professional and ask the right questions to help clients save money while still protecting your home and vehicle with excellent insurance coverage.  Highly recommended."

Kara Crismale - ⭐⭐⭐⭐⭐
Attorney | Faulkner & Graves, PC

“Mike Urgo and the staff with Urgo Agency are amazing. Not only do they spend a lot of time giving back to our community, they are completely about educating us as consumers. He is honest (for example if the existing policy you have is good, he’ll tell you), educated in the insurance field and caring towards your family needs.   Thank you for a great experience!”

Owner | Shake It Up, LLC

"This has been the best insurance experience we have ever had. You call the office and you get an actual person who knows who you are and actually cares about your problem and helps you right away. No more long wait times and press 1 for service. I can not recommend them enough."

"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

"Mike was unbelievable! He was extremely friendly, quick and very knowledgeable. He saved me $700 a year! I would highly recommend Mike Urgo for your insurance needs!"

"Mike and his team are consummate professionals with an honest and consultative approach. Would highly recommend him for any of your insurance needs."

"Trustworthy agent who really cares about his business."