What is the right coverage to protect you and your team?

Imagine this: It’s the first game of the season, and Coach Johnson is buzzing with anticipation. The air is filled with the sound of laughter and chatter as a sea of jerseys pile into his minivan. He’s not just a coach; he’s a mentor, a guide, and a friend to these young athletes. His primary goal is to lead his team to victory, but nothing is more important than ensuring the kids make it from point A to point B safely. But what happens if the unexpected strikes on the road? 

Coach Johnson, like many others, often uses his personal vehicle to transport his team. He loves the camaraderie it builds, the pre-game pep talks, and the post-game celebrations. But he also knows that he has a responsibility to keep his team safe, not just on the field, but on the road too.

One day, while driving his team home after a thrilling victory, a sudden downpour made the roads slick, and it became difficult to see clearly through the pounding rain. Despite his best efforts, Coach Johnson’s car skidded and bumped into a tree. Thankfully, everyone was safe, but his vehicle was damaged, and Coach Johnson was left with a question: Was he adequately covered for such incidents?

Coach Johnson had always thought his personal auto insurance would cover any mishaps. But he soon discovered that his policy may not cover all damages in every accident scenario. This was a wake-up call for him, and it might be for you too.

Realizing the potential gaps in his coverage, Coach Johnson decided to seek advice from his trusted, local Rockingham Insurance agent. They discussed his situation, reviewed his current coverage, and identified potential gaps. This consultation proved invaluable, as he learned about Umbrella Insurance, a separate policy that provides additional coverage beyond his auto policy. Helping answer the question, “Are you covered, coach?”

For instance, if one of the kids on his team is injured in a car accident where Coach Johnson is held liable, the costs could quickly exceed the limits of his auto policy. This is where umbrella insurance would kick in, covering up to $1 million dollars of the additional costs, depending on his policy.*

With the guidance of Rockingham Insurance, Coach Johnson found the right coverage that fit his situation. He felt a sense of relief, knowing that he was better prepared for any future road bumps. This allowed him to focus on what he loved most: coaching his team and enriching the lives of his players.

Coach Johnson’s story is a testament to the benefits of seeking advice from your trusted insurance agent. While coaches are experts on the field, our local agents are experts on all the insurance questions and conundrums you could encounter. You can rely on Rockingham Insurance to help you navigate the road to victory, ensuring you’re safely covered every step of the way. The advice of our agents can provide you with the peace of mind you need to continue doing what you love, knowing that you’re protected.

Don’t wait for an unexpected turn to find out – reach out to your trusted, local Rockingham Insurance agent today. 

*The information on this site is general in nature. Coverage descriptions are necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions, and actual policy limits. The site contents do not alter the Terms or Conditions of our policies. For a complete description of coverage, review the policy documents. Coverage options, limits, discounts, deductibles, and other features are subject to meeting our underwriting criteria and state availability. Not all features are available in all states. Discounts may not apply to all coverages and/or vehicles.