umbrella liability insurance

Personal Umbrella Liability

If you have substantial assets, you need to protect them.  Personal Umbrella Liability gives you additional liability coverage above your Home, Auto, Boat and other policies.

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What is Umbrella Liability Insurance?

Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.

When an insured is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy up to the limit of the umbrella policy.

Good reasons to purchase coverage

You've worked hard, and have substantial assets. You have a home, cars and maybe a secondary home, boat or recreational vehicle. You have them all insured with at least $500,000 liability coverage. The problem is that serious auto accidents do happen and claimants may not be willing to settle for the limit of coverage you have. Your personal assets could be at risk with a long term liability judgment against you.

The answer is a Personal Umbrella Liability policy. This can provide you with additional liablity protection of $1,000,000 to $10,000,000 above your present liability limits in your auto, home and other policies.

In addition to your Personal Auto policy and your Homeowners policy , the extra protection of a Personal Umbrella policy will give you peace of mind. The really good news is that this valuable protection is not very expensive. Contact us for a quote.