Personal Umbrella Insurance

Living in the United States is a blessing not to be taken for granted; however, with all of the good that comes with it, the frequency of high dollar lawsuits is definitely not one of them. The regularity of unwarranted and frivolous lawsuits has become commonplace in recent times and it is crucial that you protect yourself properly. Our connection to a network of top rated liability carriers allows us to offer you the protection that you need at the most affordable pricing. Do you have youthful drivers or a bad driving record? A swimming pool? Are you considered high profiled or in the entertainment business? If the answer to any of these questions is yes, then you are in the right place. A judgment against you could easily exhaust the underlying limits on your auto or homeowner policies and leave you unprotected. Having too little or no liability coverage can quickly become your worst nightmare. This is a mistake that cannot be made. Call today to speak to a representative to ensure you have the right amount of protection to cover your financial assets.

 

Your Worst Nightmare

You are driving and your car skids, causing you to crash into a wealthy business executive’s Porsche. His injuries are so extensive that he cannot return to work and consequentially a jury awards him millions of dollars in settlements that must be paid by YOU! You are cleaned out financially so the court takes your savings and goes after your home and belongings. Decades have gone by and you are still giving up part of your salary for an accident that occurred years ago.

 

Some real life examples of lawsuits filed every day

The Internet Blogger: Your son hates math class and hates her teacher even more. He makes several disparaging remarks about his teacher on the web. The teacher successfully sues you for $500,000.

The Faulty Furnace: Your tenant claims that she became ill from carbon monoxide poisoning resulting from a faulty furnace. She claims permanent brain damage and demands a settlement of $750,000.

Coaching Circumstances: A teenager, who was destined for greatness as a soccer player, files a $700,000 lawsuit against her former coach alleging that his “incorrect” teaching method ruined her chances for an athletic scholarship.

 

Other Information

  • Personal Umbrella Insurance can help protect assets like your home, auto, boat, wages and investments such as your retirement.

  • Generally, personal umbrella insurance policies can also offer coverage for claims like libel, slander, defamation of character and invasion of privacy. Furthermore, personal umbrella policies help cover defense costs, attorney fees and other charges associated with lawsuits.

  • Please visit our insurance glossary tab for a full list of insurance terms and definitions.

  • There are many discounts available to help reduce your premium. Please visit our learning insurance discounts page to find out more information on how to maximize your savings.

This page contains only a general description of coverages and is not a contract. Details of coverage or limits may vary in some states and by carrier. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.


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