Umbrella Insurance

Raleigh, North Carolina

Liability risk is something that all people need to take seriously. If you are found liable for damages that occur in an accident or other situation, you will have to pay the other party for the damages incurred.

Fortunately, you are able to mitigate this risk if you have a proper personal liability insurance plan. One of the best ways that you can mitigate your personal liability risk is by getting a full umbrella insurance plan.

Cover for Higher Claims

Most people have personal liability insurance through their home and auto insurance plans. These plans include a policy limit that determines how much can be paid out  for one incident and throughout the policy term. While this is typically more than sufficient to cover most accidents, there is always a risk that you could be held liable for damages that exceed these base insurance plans.
If you are found to be liable for damages that exceed your existing policy limit, you will be responsible for covering these damages. If you have an umbrella insurance plan in place, it will give you the coverage you need on top of your existing plans.

Coverage for More Risks

Those with liability coverage through their home and auto insurance plans will receive coverage related to accidents that occur in the home and on the road, but there are risks that may not be covered.
Some liability risks not covered by home coverage include slander, libel, mental anguish, and false arrest. If you are found liable for these claims, you will have to pay the damages completely out of pocket. An effective Umbrella insurance plan will cover these damages with more blanket coverage.

Umbrella Insurance

Raleigh, North Carolina

We quote each policy on a case by case basis, this is a guide to the services and project packages we offer to our clients.

Prepare for Unexpected

Ultimately, the main benefit of having umbrella insurance is that it can help you prepare for the unexpected. It can be hard to predict against all personal risks that exist. Due to this, getting an umbrella plan is a great option as it offers broad liability coverage that can give support for situations that could be otherwise unpredictable, which can help protect your personal financial solvency.

Thomas Wood

Thomas Wood

Thomas Wood graduated from East Carolina University with a Bachelor of Science in Industrial Distribution and Logistics in 2011.

During Thomas’ tenure at East Carolina he was a member of Lambda Chi Alpha Fraternity. After graduating from ECU, Thomas began working in the financial sector for Wells Fargo as a FHA Mediations Loan Underwriter in Raleigh, NC. Thomas then moved into sales for Wells Fargo working as a Home Mortgage Consultant in Fayetteville, NC.  After working with Wells Fargo for 2 ½ years Thomas moved into the homebuilding industry with his family’s business King Model Homes in Fayetteville, NC. While working with his father, Thomas had the opportunity to go work for a mid-size regional builder Homes By Dickerson in Raleigh, NC known for their customer service and custom built homes.  Thomas’ position with Homes By Dickerson was a superintendent overseeing the construction of homes in Raleigh, Durham, and Apex. Thomas was overseeing a new neighborhood called Madison at Evans Creek in Apex, NC that consisted of 40 homes.

Over the years, Thomas had talked to his uncle and partner Joe Beck many times about coming into the insurance world.  The two of them finally decided to team up and start a company together with the help of Smart Choice an aggregator in Greensboro, NC and Joe’s 30 years of experience.  Thomas and Joe are very excited to help their customers save money and make sure that all their insurances are properly managed, but also written in a manner that best serves the customer.  Wood Insurance Consultants LLC has many goals, but their main goal is customer service. Our company is here to serve you and the rest of the Carolinas.

Thomas lives in Raleigh, NC with his beautiful wife Liz.  In his spare time Thomas enjoys pulling for the ECU Pirates, cooking/grilling, and adding to his expansive vinyl record collection.

Joseph Beck

Joe Beck

Joe started in the Insurance business in 1989 as a Principal Partner in the Callahan & Beck Insurance agency in Fayetteville, North Carolina.

In 1997, he took a position with the Philadelphia Insurance Company as the Manager of Marketing and Underwriting for the State of Michigan and won awards in 1998 and 1999 for placing in the top twenty nationwide. In 2000, Joe joined Chemical Bank as Vice president and member of the board of directors. Joe was to oversee day to day operations of the agency and expand the agency into different areas of the bank. In 2006, Joe had decided it was time to move back home to North Carolina at which time he joined Anders Ireland & Marshall Inc., a member of the Keystone Insurance Group, as an Agent.

Joe has served on advisory boards for Ohio Casualty, Titan Insurance, and Pioneer Insurance. Joe served as the former auction chairman of the Jimmy V Foundation, chairman of the Chip Beck Invitational, chairman of the Marlene Floyd Tournament, and Committee member for Louis Grizzard Charity and Jeff Daniels Auction.  Joe is currently a member of the Patriot Foundation advisory committee in Pinehurst, NC. This foundation’s purpose is to raise money for soldiers’ children for school that have been killed in action.  Joe is a graduate of Belmont Abbey College. He and his lovely wife Jill have five children and live in Sanford, NC.


Although we tend to price projects on a case by case basis, this is a guide to the services and project packages we offer to our clients.

If you are in the Raleigh, NC area and want to ensure that you are properly covered for your liability risk, it would be a good idea to speak with the Wood Insurance Consultants about your umbrella insurance needs and options.

There are various advantages that come with an umbrella policy and Wood Insurance will help you determine your needs and give the support necessary to build a quality policy. Wood Insurance Consultants partner with top insurance providers to ensure you get into a quality policy that will offer you liability mitigation and peace of mind.

Wood Insurance Agency | Raleigh | Wilmington | Charlotte