Living in Provo and Orem seems safe, but you always need a backup plan. This is where C & W Premier Insurance Agency comes in. We can help you with the right coverage so you never have to worry. Umbrella Liability Insurance offers different types of coverage. Bodily Injury Liability is coverage that will cover the cost of damages to another person body including claims and medical bills. This can be helpful if a guest injures themselves in your home, or if you are at fault because of an auto accident. Umbrella Liabiliy covers things you are not prepared to deal with on a daily basis, but it is always good to have that safety net.