Umbrella Insurance

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What is umbrella insurance?

Personal umbrella insurance is a form of coverage that provides additional liability protection beyond the limits of existing personal insurance policies, such as homeowners, auto, or renters insurance. It acts as a safety net, offering an extra layer of financial protection against unexpected and significant liability claims. One of the primary benefits of personal umbrella insurance is its extensive coverage. It provides liability protection for a wide range of situations, including bodily injury, property damage, and personal injury claims. This coverage extends beyond the limits of the underlying policies, ensuring that individuals are adequately protected in the event of a costly lawsuit or claim.

Personal umbrella insurance covers various liability risks that may arise in everyday life. It protects against claims resulting from accidents, injuries, or property damage caused by the insured individual’s actions. This can include situations such as a slip and fall accident on your property, a car accident where you are found at fault, or a dog bite incident. Additionally, personal umbrella insurance may offer coverage for certain types of claims that primary policies might not include or have limited coverage for, such as libel, slander, or defamation. The comprehensive nature of personal umbrella insurance ensures that individuals have an extra layer of protection to safeguard their assets and future earnings.

What does umbrella insurance cover?

Furthermore, personal umbrella insurance provides global coverage, meaning it can protect individuals worldwide, not just within their home country. This is particularly beneficial for individuals who frequently travel internationally or own property abroad. Whether it’s a liability claim that occurs at home or overseas, personal umbrella insurance can provide the necessary coverage to handle the financial costs associated with legal defense, settlements, or judgments. This global coverage offers individuals the peace of mind to enjoy their personal and professional endeavors without the constant worry of potential liability risks.

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Umbrella Insurance

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FAQs

For example, if your auto policy covers liability up to $500,000 but you cause an accident that leaves the other driver with medical bills of $600,000, your main policy will pay out in full, and the umbrella insurance policy will kick in for the remaining $100,000.

The umbrella insurance policy itself will have its own limit, but this is less likely to be an issue. An umbrella insurance policy can be cheaper than you might think. While it covers large potential payouts, the premium usually reflects the reduced risk that the policy will need to pay out.

Talk with us about adding a cost-effective umbrella insurance policy to your account. It’s easy and provides the additional protection needed to protect you and your family.

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Lawsuits

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies – providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

 

Note: Actual policies must be consulted for specific terms and conditions.

Watercraft Liability

Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn’t enough.

Solution

Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

Note: Actual policies must be consulted for specific terms and conditions.

Watercraft Liability

Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?

Solution

Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Note: Actual policies must be consulted for specific terms and conditions.

Watercraft Liability

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Note: Actual policies must be consulted for specific terms and conditions.

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