Personal Umbrella Liability

Whether you’re a homeowner, vehicle owner, or just looking to safeguard your personal wealth, a personal umbrella liability policy provides extended coverage that kicks in when your standard coverage limits are exceeded. With a focus on risk management and peace of mind, our personal liability umbrella policy ensures that you and your family are financially protected against unforeseen legal claims.

Features of a Personal Umbrella Liability Policies:

• Increased liability coverage: Offers an extra $1 million to $10 million of liability coverage, including protection against property damage and bodily injury claims, safeguarding assets such as your home, car, wages, and investments, including retirement funds
• Broad claim protection: Covers a wide range of liability claims, including libel, slander, defamation of character, and invasion of privacy, as well as third-party claims that may arise unexpectedly.
• Legal defense costs: Helps cover defense costs, attorney fees, and other charges associated with lawsuits, simplifying the claims process even if you’re not at fault.
• Pet liability: Provides coverage for injuries caused by your pets to others.
• Extended coverage: A standard umbrella policy includes protection for your primary residence, two motorized vehicles, small sailboats, and motorboats with fewer than 50 horsepower.
• Policy exclusions: It’s important to understand the specific exclusions in your umbrella policy, such as intentional acts or liability from business activities, to ensure you are fully aware of the coverage scope.

Moving Your Insurance Needs Forward

If you have assets to protect or want the reassurance of coverage beyond your basic policies, an umbrella policy is a wise addition to your insurance portfolio. It’s especially useful if you have pets, a swimming pool, recreational equipment, or if you’re in a high-profile role like a physician, attorney, or politician. Contact our insurance team today to explore your options, get an insurance quote, and find the right umbrella policy for your needs—it’s a small investment for extensive protection and added security.