Personal Umbrella Liability insurance is designed to protect you and your family against catastrophic lawsuits or judgments.  It provides coverage above the liability limit on your existing personal property or automobile policies.  It also fills many gaps in your current liability protection under these policies.  

The frequency and cost of lawsuits has increased dramatically in the past decade. The following are real-life examples of lawsuits filed every day.

An insured’s daughter hated math class as well as the teacher. The daughter made several “disparaging” remarks about her teacher online. The teacher successfully sued the parents for $750,000. 

An insured’s tenant claims she became ill from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and demanded $750,000. 

A teenager, who was destined for greatness as a softball player, filed a $700,000 lawsuit against her former coach, alleging his “incorrect” teaching style ruined her chances for an athletic scholarship.

Your family and your daily activities result in lawsuit exposures every day. You should consider purchasing an Umbrella policy if:

 Your assets are greater than your insurance liability limits.

 You are financially responsible for children.

 You frequently host guests on your property.

 Your residence includes a swimming pool.

 You own watercraft or off-road vehicles.

 You own rental or vacation properties.

 You participate in volunteer activities.

 Personal Umbrella Insurance...

A small price to pay for peace of mind!

The Personal Umbrella policy represents one of the best values in insurance. Compare the cost and limits of your auto policy to the cost and limits of a Personal Umbrella policy. You have worked hard to build your assets. Isn’t the cost of a Personal Umbrella worth your peace of mind in knowing that your assets are protected?