Personal Umbrella Liability

Personal Umbrella Liability


A personal umbrella policy provides you protection against the catastrophic liability claim that could threaten your hard-earned assets. This is an excess liability policy that goes above and beyond your auto and property liability policy coverage.

An example: You are at-fault in a fatal car accident. The driver of the vehicle you ran into was killed as the result of the accident. You know there is a very high probability you are about to be sued. In the event, that you are sued you will have not only $250,000 in bodily injury liability coverage from your auto insurance policy, you will also have $1,000,000 in coverage from the personal umbrella policy. If both policies are used in the claim process you would be responsible for a $1,000 retained limit that is due after the auto claim amount is paid and before the personal umbrella claim amount is applied.

Another example is you have a few friends over for dinner. And alcoholic beverages are consumed at your house. At the end of the evening your friends get into their own cars and start to drive home. One of your friends is at fault in a car accident. Their are injuries to the people in the other vehicle. Your friend is sued for being at fault in the accident and for driving after having a few drinks. During the investigation the other parties’ attorney discovers your friend had just left your house where the drinks were served. The next thing you know you have been served with a lawsuit. Your homeowner insurance policy would first provide defense and coverage if you are found liable and your personal umbrella could also be used in the event the judgment against you is more than your homeowner liability limit of coverage.


or call us to learn more about a personal umbrella policy and how little it cost.