Liability coverage that protects your wealth
Asset Protection & Umbrella Insurance
Asset protection insurance and umbrella policies provide an extra layer of liability coverage that shields your savings, your home, and your investments from lawsuits and large claims.
An Extra Layer Between Your Wealth and a Lawsuit
As your wealth grows, so does your exposure to liability. A car accident, an injury on your property, or an unexpected lawsuit can produce a judgment that exceeds your standard homeowners or auto policy limits. An umbrella policy adds $1 million to $5 million in additional coverage and typically costs around $300 a year for the first million. It covers bodily injury, property damage, legal defense costs, and certain claims standard policies exclude, including libel, slander, and defamation.
A single car accident or slip-and-fall on your property can result in a judgment that wipes out years of careful saving. An umbrella policy keeps that from happening for less than a dollar a day.
Where It Fits
Asset protection insurance is different from estate protection insurance. Estate protection focuses on taxes and inheritance after death. Asset protection shields your current wealth from lawsuits and creditors during your lifetime. The two work together, and most affluent families need both. We work with vetted property and casualty partners to place the right umbrella, audit your underlying auto and homeowners limits, and confirm the layered coverage holds up against the kinds of claims you are actually exposed to.
Why It Matters
Larger asset bases attract larger lawsuits. Homeowners, landlords, business owners, and high-income professionals are the most exposed and the most often underinsured. The umbrella is one of the highest-leverage insurance dollars you will ever spend.
A single car accident or slip-and-fall on your property can result in a judgment that wipes out years of careful saving. An umbrella policy keeps that from happening for less than a dollar a day.
Are Your Assets Fully Protected?
The more you have built, the more you have at risk. These situations call for a closer look.
- Homeowners. An injury on your property can result in a claim that exceeds your homeowners policy limits.
- High-Net-Worth Individuals. Larger asset bases attract larger lawsuits. An umbrella policy creates a buffer between your wealth and a judgment.
- Business Owners. Business activities can generate personal liability. An umbrella policy adds a layer of protection beyond your business insurance.
- Landlords and Property Investors. Rental properties create additional exposure. Tenant injuries, property disputes, and other claims can escalate quickly.
Who You Work With
Licensed, Credentialed, and on Your Side
Your plan is only as strong as the people behind it. The advisors below are the licensed agents and consultants who design, place, and service your coverage.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Asset Protection & Umbrella Insurance Questions
Answers to the questions Arizona families ask most about asset protection & umbrella insurance.