Clenney Risk Advisors, LLC

10/16/2026

Your insurance may have made sense when you bought it. Your life may look different now.

A new home, another driver, more savings, or other changes can affect how much liability protection makes sense for your household.

Umbrella insurance may add extra protection beyond certain auto and homeowners policy limits.

I’m Kim Clenney, an independent insurance broker in Montgomery, Alabama. I’ll review your current policies for free and help you see whether your coverage still fits your life.

Send me a message to request your free insurance review.

10/14/2026

You have homeowners insurance. You have auto insurance. But what happens when a lawsuit goes beyond the liability limits on those policies?
That’s where an umbrella insurance policy can help.
☂️ An umbrella policy provides an additional layer of liability protection above certain underlying policies, such as your home and auto insurance.
For example, if you’re involved in a serious auto accident and the claim exceeds your auto liability coverage, an umbrella policy may provide additional protection, depending on the policy terms and limits.
Why consider one?
✅ Protect your savings and investments
✅ Add liability protection beyond your home and auto policies
✅ Help protect future income and assets
✅ Often provides substantial additional coverage for a relatively affordable premium
The question isn’t just, “Can I afford an umbrella policy?”
It may be, “Can I afford NOT to have one?”
📍 Montgomery, Alabama and surrounding areas
I’m offering a FREE insurance consultation and coverage review to help you determine whether an umbrella policy makes sense for your situation.
📲 Message me today to schedule your free review.

10/14/2026

Umbrella insurance isn’t only for people with a huge net worth.

Homeownership, teen drivers, savings, and even having guests over can increase your liability exposure.

Extra coverage could help protect what you’ve worked hard to build when the limits on certain existing policies aren’t enough.

I’m Kim Clenney, an independent insurance broker in Montgomery, Alabama. I’ll review your current policies for free and help you understand whether umbrella insurance is worth considering.

Send me a message to request your free insurance review.

10/12/2026

One serious liability claim could cost more than your auto or homeowners policy will cover.

Umbrella insurance adds extra liability protection above certain policies and may be more affordable than you expect.

I’m Kim Clenney, an independent insurance broker in Montgomery, Alabama. I’ll review your current coverage for free and help you see whether umbrella insurance makes sense for your family.

Send me a message to request your free insurance review.

10/09/2026

10/09/2026

You protect your home. You protect your car. Your business deserves the same kind of attention.

A customer injury, damaged property, or lawsuit could create a major financial setback for a small business.

General liability insurance can help cover certain claims tied to your business, including bodily injury, property damage, and covered lawsuits.

➡️ I’m Kim Clenney, an independent insurance broker serving Montgomery and the surrounding area. Call or message me for a free business insurance review. I’ll help you understand your current coverage and where you may have gaps.

10/07/2026

Before you add more to the cart, take a look at the debt you already have. 🛒

If you’re considering Chapter 7 bankruptcy, taking on additional debt beforehand can create complications and may affect how your case is handled.

Bankruptcy isn’t something to approach casually, and every situation is different. Before making major purchases or using more credit, it’s worth understanding how those decisions could affect your options.

At Clenney & Palmer, we help clients understand the bankruptcy process and what steps make sense for their circumstances.

Considering Chapter 7? Get legal guidance before you spend.

“We are a Debt Relief Agency and Attorneys at Law who help people file for bankruptcy relief under the Bankruptcy Code. No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.”
Licensed Attorneys in Montgomery, AL

10/07/2026

Running a small business already comes with enough financial risk.

One injury claim, property damage claim, or lawsuit could create an expense your business wasn’t prepared for.

General liability insurance can help cover certain claims involving bodily injury, property damage, and covered lawsuits. Some landlords, vendors, customers, or contracts may also require proof of liability coverage.

➡️ I’m Kim Clenney, an independent insurance broker in Montgomery, Alabama. Call or message me for a free review of your current business insurance. I’ll help you understand your coverage and identify areas that may need attention.

10/05/2026

One accident could turn into a major expense for your business.

A customer gets hurt on your property. You accidentally damage someone else’s property. A customer claims your business caused an injury or financial loss.

General liability insurance can help protect your business from certain claims involving bodily injury, property damage, and lawsuits.

The bigger question is whether your current coverage matches the risks your business faces.

➡️ I’m Kim Clenney, an independent insurance broker in Montgomery, Alabama. Request a free review of your current business insurance, and I’ll help you take a closer look at your coverage before a claim happens.

10/02/2026

Saving money on homeowner’s insurance sounds good until the policy leaves you underinsured.

A lower premium can come with lower limits, higher deductibles, or less protection than you expected.

As an independent insurance broker, I can help you compare coverage options and look at more than price alone.

If you’re in Montgomery or a surrounding area, message me for a free review of your current homeowner’s policy. I’ll help you see whether the coverage still fits your home and what you’re paying.