Excess Liability (Umbrella) Coverage

Protecting Your Financial Future

Most people spend a lifetime building a secure financial future. But if you cause an accident that injures someone or causes property damage you might face a lawsuit which threatens that future. A personal umbrella policy serves as an additional layer of liability protection over automobile, homeowners, and watercraft policies for you and resident family members. It is an important layer of protection that can stand between you and a devastating financial loss.

A high-quality excess liability program covers the cost of defending a lawsuit in addition to covering the potential settlement. We have markets that can provide limits from $1,000,000 to $100,000,000 subject to underwriting approval.

Some carriers offer the opportunity to purchase excess uninsured/underinsured motorists coverage as part of their personal umbrella programs. This would cover damages for bodily injury that you are legally entitled to receive from the owner or driver of an uninsured or underinsured vehicle in excess of the UM/UIM limits on your automobile insurance policy.

Who should consider excess liability coverage? Anyone with assets to lose. The following exposures may increase the potential for a personal injury lawsuit:

  • Swimming pools
  • Animals in the home
  • Teenage drivers
  • Income properties
  • Volunteer activities
  • Boats, motorcycles, and off-road vehicles
  • Entertainment in the home

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