Excess / Umbrella Insurance

There's no shortage of unforeseen circumstances that could impose a real risk to your family's assets and financial future.

Personal umbrella protection is critical coverage, designed to help protect you from life's unexpected events.

A personal umbrella policy can help protect you in situations, such as:

• Bodily injury liability
• Landlord liability
• Slander and libel
• Property damage liability (damage or loss you cause to another party's property)

Protect yourself from real life risks.

Take a look at some examples of when a personal umbrella policy could provide critical personal liability coverage for you and your possessions.

You're at fault for an auto accident.

Let's say you have an auto policy that covers $500,000 in bodily injury and a $1 million personal umbrella policy. After a major at-fault auto accident, you're found liable for a $1.25 million judgment.

Your auto coverage "runs out" at $500,000—meaning you're potentially on the hook for the remainder. That's where your personal umbrella coverage steps in, picking up where your auto coverage stops and covering the remaining $750,000.

Your house-guest gets injured while visiting.

It happens all the time. Someone slips on your sidewalk or falls while walking down the stairs. Hospital and doctor visits can add up quickly, and if the injury happened on your property, you could be responsible for covering the costs.

Excess / umbrella protection could help protect you in the event that a guest is injured in your home.

Excess / umbrella protection may cover the difference between your home insurance liability limit and the actual judgment (up to your personal umbrella limit) which could be potentially millions of dollars - helping protect your family's finances and future.