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Personal Umbrella

Personal Umbrella
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Stop for a moment to reflect on everything you’ve worked hard for in your life- your home, your car, your family’s security. You may even have a recreational vehicle or a boat for family getaways. And, if you’re reading this, you probably have adequate Auto, Home and Life insurance coverage.
So chances are, you’ll never have to worry about exposure to large liability losses. But what if…?

In today’s society, no one is exempt from large liability losses. Let’s face it: people are growing more willing to sue every day. The bottom line is: It can happen to you.

With a Personal Umbrella policy, you have additional coverage once the liability limits under your primary auto or home insurance are used up. Your assets as well as your future earnings are covered.

Besides providing increased liability limits, a Personal Umbrella policy gives you these additional benefits:
  • You are covered against claims that may not be covered by your underlying policies for Homeowner’s, Auto liability and Watercraft liability, such as libel, slander or defamation of character.
  • You are covered anywhere in the world.
  • You are covered for defense costs and attorney fees associated with claims against you that are covered by your Personal Umbrella policy, but not by your primary policies. These expenses are paid in addition to your policy limit.
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