---
title: Insurance Insights | Sharon Robbons
description: Sharon is a seasoned professional in the Personal Lines Department at DSP since 2013 after working at Farmers Insurance for 18 years. Sharon excels in providing expert advice and service to customers.
---
[](https://www.dspins.com/)
- [Insurance Solutions](https://www.dspins.com/insurance-solutions/)
- [Business Insurance](https://www.dspins.com/business-insurance/)
- [Workers’ Compensation](https://www.dspins.com/business-insurance/workers-compensation-insurance/)
- [Directors and Officers Liability](https://www.dspins.com/business-insurance/directors-and-officers-liability-insurance/)
- [Employment Practice Liability](https://www.dspins.com/business-insurance/employment-practice-liability-insurance/)
- [See All](https://www.dspins.com/business-insurance/)
- [Employee Benefits](https://www.dspins.com/employee-benefits/)
- [Group Health](https://www.dspins.com/employee-benefits/group-health-insurance/)
- [Group Dental](https://www.dspins.com/employee-benefits/group-dental-insurance/)
- [Group Vision](https://www.dspins.com/employee-benefits/group-vision-insurance/)
- [See All](https://www.dspins.com/employee-benefits/)
- [Insurance by Industry](https://www.dspins.com/business-insurance/insurance-by-industry/)
- [Contractor](https://www.dspins.com/business-insurance/insurance-by-industry/contractor-insurance/)
- [Manufacturer](https://www.dspins.com/business-insurance/insurance-by-industry/manufacturer-insurance/)
- [Financial Institution](https://www.dspins.com/business-insurance/insurance-by-industry/financial-institution-insurance/)
- [See All](https://www.dspins.com/business-insurance/insurance-by-industry/)
- [Personal Insurance](https://www.dspins.com/personal-insurance/)
- [Home](https://www.dspins.com/personal-insurance/home-insurance/)
- [Auto](https://www.dspins.com/personal-insurance/auto-insurance/)
- [Umbrella](https://www.dspins.com/personal-insurance/umbrella-insurance/)
- [See All](https://www.dspins.com/personal-insurance/)
- [Safety Consulting](https://www.dspins.com/safety-consulting/)
- [Service Center](https://www.dspins.com/service-center/)
- [Explore Policy Options](https://www.dspins.com/service-center/)
- [Report a Claim](https://www.dspins.com/service-center/report-a-claim/)
- [Request Auto ID Card](https://www.dspins.com/service-center/request-auto-id-card/)
- [Request a Certificate](https://www.dspins.com/service-center/request-certificate/)
- [Request a Bond](https://www.dspins.com/service-center/report-a-claim/)
- [Policy Review](https://www.dspins.com/service-center/policy-review/)
- [Request Policy Change](https://www.dspins.com/service-center/request-policy-change/)
- [Client Login](https://www.dspins.com/service-center/#client-login)
- [Custom Insurance Benchmarking](https://www.dspins.com/custom-insurance-benchmarking/)
- [About](https://www.dspins.com/service-center/)
- [About Our Agency](https://blog.dspins.com/author/About%20Our%20Agency)
- [Agency News](https://www.dspins.com/blog/category/agency-news/)
- [Meet Our Team](https://www.dspins.com/about-our-agency/meet-our-team/)
- [Read Our Reviews](https://www.dspins.com/about-our-agency/read-our-reviews/)
- [We Are Independent](https://www.dspins.com/about-our-agency/we-are-independent/)
- [Community Involvement](https://www.dspins.com/about-our-agency/community-involvement/)
- [Join Our Team](https://www.dspins.com/about-our-agency/join-our-team/)
- [Learn About Our Agency](https://www.dspins.com/about-our-agency/)
- Media
- [Blog](https://blog.dspins.com/)
- [Podcast](https://www.dspins.com/podcast/)
- [Events](https://info.dspins.com/events)
- [Contact](https://www.dspins.com/contact/)
- [Schaumburg, IL Office](https://www.dspins.com/contact/schaumburg-il-insurance/)
- [1900 E. Golf Road Suite 650 Schaumburg, IL 60173](https://www.dspins.com/contact/schaumburg-il-insurance/)
- [847-934-6100](tel:847-934-6100)
- [info@dspins.com](https://blog.dspins.com/author/info@dspins.com)
- [Review Us](https://www.dspins.com/contact/review-us/)
- [Refer Us](https://www.dspins.com/contact/refer-us/)
- [Contact](https://www.dspins.com/contact/)
[847-934-6100](tel:847-934-6100)
[Request Quote](https://www.dspins.com/request-quote/)
*Menu*
- [Insurance Solutions](https://www.dspins.com/insurance-solutions/)
- [Safety Consulting](https://www.dspins.com/safety-consulting/)
- [Business Insurance](https://www.dspins.com/business-insurance/)
- [Workers’ Compensation](https://www.dspins.com/business-insurance/workers-compensation-insurance/)
- [Directors and Officers Liability](https://www.dspins.com/business-insurance/directors-and-officers-liability-insurance/)
- [Employment Practice Liability](https://www.dspins.com/business-insurance/employment-practice-liability-insurance/)
- [See All](https://www.dspins.com/business-insurance/)
- [Employee Benefits](https://www.dspins.com/employee-benefits/)
- [Group Health](https://www.dspins.com/employee-benefits/group-health-insurance/)
- [Group Dental](https://www.dspins.com/employee-benefits/group-dental-insurance/)
- [Group Vision](https://www.dspins.com/employee-benefits/group-vision-insurance/)
- [See All](https://www.dspins.com/employee-benefits/)
- [Insurance by Industry](https://www.dspins.com/business-insurance/insurance-by-industry/)
- [Contractor](https://www.dspins.com/business-insurance/insurance-by-industry/contractor-insurance/)
- [Manufacturer](https://www.dspins.com/business-insurance/insurance-by-industry/manufacturer-insurance/)
- [Financial Institution](https://www.dspins.com/business-insurance/insurance-by-industry/financial-institution-insurance/)
- [See All](https://www.dspins.com/business-insurance/insurance-by-industry/)
- [Personal Insurance](https://www.dspins.com/personal-insurance/)
- [Home](https://www.dspins.com/personal-insurance/home-insurance/)
- [Auto](https://www.dspins.com/personal-insurance/auto-insurance/)
- [Umbrella](https://www.dspins.com/personal-insurance/umbrella-insurance/)
- [See All](https://www.dspins.com/personal-insurance/)
- [Service Center](https://www.dspins.com/service-center/)
- [Explore Policy Options](https://www.dspins.com/service-center/)
- [Report a Claim](https://www.dspins.com/service-center/report-a-claim/)
- [Request Auto ID Card](https://www.dspins.com/service-center/request-auto-id-card/)
- [Request a Certificate](https://www.dspins.com/service-center/request-certificate/)
- [Request a Bond](https://www.dspins.com/service-center/report-a-claim/)
- [Policy Review](https://www.dspins.com/service-center/policy-review/)
- [Request Policy Change](https://www.dspins.com/service-center/request-policy-change/)
- [Client Login](https://www.dspins.com/service-center/#client-login)
- [Custom Insurance Benchmarking](https://www.dspins.com/custom-insurance-benchmarking/)
- [About](https://www.dspins.com/service-center/)
- [About Our Agency](https://blog.dspins.com/author/About%20Our%20Agency)
- [Agency News](https://www.dspins.com/blog/category/agency-news/)
- [Meet Our Team](https://www.dspins.com/about-our-agency/meet-our-team/)
- [Read Our Reviews](https://www.dspins.com/about-our-agency/read-our-reviews/)
- [We Are Independent](https://www.dspins.com/about-our-agency/we-are-independent/)
- [Community Involvement](https://www.dspins.com/about-our-agency/community-involvement/)
- [Join Our Team](https://www.dspins.com/about-our-agency/join-our-team/)
- [Learn About Our Agency](https://www.dspins.com/about-our-agency/)
- [Blog](https://www.dspins.com/blog/)
- [Events](https://info.dspins.com/events)
- [Contact](https://www.dspins.com/contact/)
- [Schaumburg, IL Office](https://www.dspins.com/contact/schaumburg-il-insurance/)
- [1900 E. Golf Road Suite 650 Schaumburg, IL 60173](https://www.dspins.com/contact/schaumburg-il-insurance/)
- [847-934-6100](tel:847-934-6100)
- [info@dspins.com](https://blog.dspins.com/author/info@dspins.com)
- [Review Us](https://www.dspins.com/contact/review-us/)
- [Refer Us](https://www.dspins.com/contact/refer-us/)
- [Contact](https://www.dspins.com/contact/)
- [847-934-6100](tel:847-934-6100)
- [Request Quote](https://www.dspins.com/request-quote/)
-
-
# DSP Insurance Insights
Get insights on commercial insurance, property and casualty insurance, workplace safety, and employee benefits. Our blog articles deliver expert tips, industry updates, and risk management strategies to help businesses protect their people and profits.
## Sharon Robbons
Sharon is a seasoned professional in the Personal Lines Department at DSP since 2013 after working at Farmers Insurance for 18 years. Sharon excels in providing expert advice and service to customers.
## Recent Posts
[](https://blog.dspins.com/the-importance-of-an-umbrella-policy)
## [The Importance of an Umbrella Policy](https://blog.dspins.com/the-importance-of-an-umbrella-policy)
Mar 31, 2025, 4:15:34 PM / by [Sharon Robbons](https://blog.dspins.com/author/sharon-robbons) posted in [Personal Insurance](https://blog.dspins.com/topic/personal-insurance)
[0 Comments](https://blog.dspins.com/the-importance-of-an-umbrella-policy#comments-listing)
An umbrella policy is essential because it kicks in when your basic liability limits are exhausted. In the event of a major accident or a liability lawsuit, you’ll be grateful for this extra layer of protection.
[Read More](https://blog.dspins.com/the-importance-of-an-umbrella-policy)
[All posts](https://blog.dspins.com/all)
### Subscribe to Email Updates
- Recent
- Popular
- Categories
### Lists by Topic
- [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance)
- [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits)
- [Surety (16)](https://blog.dspins.com/tag/surety)
- [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting)
- [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance)
- [Commercial Lines (6)](https://blog.dspins.com/tag/commercial-lines)
- [Safety Services (2)](https://blog.dspins.com/tag/safety-services)
- [Fire Safety (1)](https://blog.dspins.com/tag/fire-safety)
- [Mental Health Parity (1)](https://blog.dspins.com/tag/mental-health-parity)
### Posts by Topic
- [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance)
- [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits)
- [Surety (16)](https://blog.dspins.com/tag/surety)
- [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting)
- [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance)
- [Commercial Lines (6)](https://blog.dspins.com/tag/commercial-lines)
- [Safety Services (2)](https://blog.dspins.com/tag/safety-services)
- [Fire Safety (1)](https://blog.dspins.com/tag/fire-safety)
- [Mental Health Parity (1)](https://blog.dspins.com/tag/mental-health-parity)
See all
## Recent Posts
This is a search field with an auto-suggest feature attached.
- There are no suggestions because the search field is empty.
### Category
- [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance)
- [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits)
- [Surety (16)](https://blog.dspins.com/tag/surety)
- [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting)
- [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance)
- [Commercial Lines (6)](https://blog.dspins.com/tag/commercial-lines)
- [Safety Services (2)](https://blog.dspins.com/tag/safety-services)
- [Fire Safety (1)](https://blog.dspins.com/tag/fire-safety)
- [Mental Health Parity (1)](https://blog.dspins.com/tag/mental-health-parity)
### Upcoming Events
12/24/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services)
[First Aid/CPR/AED Training 5/3/26](https://info.dspins.com/events/first-aid/cpr/aed-training-3/25/26)
12/24/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services)
[Distracted & Defensive Driving - TBD](https://info.dspins.com/events/distracted-defensive-driving-8/5/26)
07/30/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services)
[Distracted & Defensive Driving 12/4/25](https://info.dspins.com/events/distracted-driving)
08/19/2024 [Safety Services](https://info.dspins.com/events/tag/safety-services)
[Reasonable Suspicion Training for Supervisors](https://info.dspins.com/events/reasonable-suspicion-training-for-supervisors)
07/30/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services)
[Electrical Safety Training - 9/17/25](https://info.dspins.com/events/active-shooter-awareness-training-1)
## Sharon Robbons
Sharon is a seasoned professional in the Personal Lines Department at DSP since 2013 after working at Farmers Insurance for 18 years. Sharon excels in providing expert advice and service to customers.
[Sharon Robbons](https://blog.dspins.com/author/sharon-robbons) [Personal Insurance](https://blog.dspins.com/tag/personal-insurance) 1 Min
## [The Importance of an Umbrella Policy](https://blog.dspins.com/the-importance-of-an-umbrella-policy)
#### [The Importance of an Umbrella Policy](https://blog.dspins.com/the-importance-of-an-umbrella-policy)
An umbrella policy is essential because it kicks in when your basic liability limits are exhausted. In the event of a major accident or a liability lawsuit, you’ll be grateful for this extra layer of protection.
[Read More](https://blog.dspins.com/the-importance-of-an-umbrella-policy)
This is a search field with an auto-suggest feature attached.
- There are no suggestions because the search field is empty.
### Category
- [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance)
- [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits)
- [Surety (16)](https://blog.dspins.com/tag/surety)
- [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting)
- [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance)
### Subscribe Now
### Popular Posts
[Eric Vatch](https://blog.dspins.com/author/eric-vatch) 11/05/2025 [Employee Benefits](https://blog.dspins.com/tag/employee-benefits)
[IRS Increases Health and Dependent Care FSA Limits for 2026](https://blog.dspins.com/irs-increases-health-and-dependent-care-fsa-limits-for-2026)
[Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) 09/24/2025 [Surety](https://blog.dspins.com/tag/surety)
[WIP and CC Schedules Matter for Surety Support](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support)
[Eric Vatch](https://blog.dspins.com/author/eric-vatch) 12/17/2025 [Employee Benefits](https://blog.dspins.com/tag/employee-benefits)
[Illinois Prescription Drug Affordability Act Fee: What BCBS of Illinois Employers Need to Know](https://blog.dspins.com/illinois-prescription-drug-affordability-act-fee-what-bcbs-of-illinois-employers-need-to-know)
[Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) 03/19/2025 [Surety](https://blog.dspins.com/tag/surety)
[Understanding General Agreements of Indemnity in Surety Bonds](https://blog.dspins.com/gai-surety-bonds)
- Insurance Solutions
- [Business Insurance](https://www.dspins.com/business-insurance/)
- [Insurance by Industry](https://www.dspins.com/business-insurance/insurance-by-industry/)
- [Employee Benefits](https://www.dspins.com/employee-benefits/)
- [Personal Insurance](https://www.dspins.com/personal-insurance/)
- [Explore Interactive Graphics](https://www.dspins.com/clickable-coverage/)
- [Safety Consulting](https://www.dspins.com/safety-consulting/)
- [Custom Insurance Benchmarking](https://www.dspins.com/custom-insurance-benchmarking/)
- About DSP Insurance Services
- [About Our Agency](https://www.dspins.com/about-our-agency/)
- [Meet Our Team](https://www.dspins.com/about-our-agency/meet-our-team/)
- [Read Our Reviews](https://www.dspins.com/about-our-agency/read-our-reviews/)
- [We Are Independent](https://www.dspins.com/about-our-agency/we-are-independent/)
- [Join Our Team](https://www.dspins.com/about-our-agency/join-our-team/)
- [Blog](https://www.dspins.com/blog/)
- Get Help
- [Report a Claim](https://www.dspins.com/service-center/report-a-claim/)
- [Request Auto ID Card](https://www.dspins.com/service-center/request-auto-id-card/)
- [Request a Certificate](https://www.dspins.com/service-center/request-certificate/)
- [Request a Bond](https://www.dspins.com/service-center/request-a-bond/)
- [Policy Review](https://www.dspins.com/service-center/policy-review/)
- [Request Policy Change](https://www.dspins.com/service-center/request-policy-change/)
- [Client Login](https://www.dspins.com/service-center/#client-login)
###### Contact Us
1900 E. Golf Road
Suite 650
Schaumburg, IL 60173
---
[info@dspins.com](mailto:info@dspins.com)
[847-934-6100](tel:847-934-6100)
847-934-6186 fax
[Contact Us](https://www.dspins.com/contact/)
### Experience the Value of an Independent Agency
---
Promising stability. Providing peace of mind. Caring about each client individually. This is more than what we do every day. It’s why we come in every day. Because at DSP Insurance Services, our future is yours.
We are licensed in the United States, Canada, and Mexico, as well as Europe, Asia, Australia, and around the globe.
© 2023 DSP Insurance Services | All rights reserved | [Privacy Policy](https://www.dspins.com/privacy-policy/)
World-class service and insurance solutions around the globe.
World-class service and insurance solutions around the globe.
World-class service and insurance solutions around the globe.
Insurance Solutions
847-934-6100