Personal Umbrella (Excess Liability)

You Don’t Have To Be a Millionaire To Be Sued.

You’ve worked hard to build your life. It’s important to protect you and your family's present and future. Just turn on the television or read the newspaper and you’ll hear about people suing each other. None of us wants to imagine ourselves in such a situation, but one incident could cost you your future. You host a party at your home and a guest slips and falls. Even though you’re “friends” the injuries they suffer puts them out of work for over a year, and they end up suing you. It happens every day…it could happen to you.

Even if you’ve purchased substantial liability limits on your auto or home insurance, it may not be enough to adequately protect you. Juries reach decisions resulting in awards of hundreds of thousands and even millions of dollars all the time. Don’t assume the old adage of “you can’t get blood from a stone” is true. Courts can force the sale of your home and other assets not to mention attach your future earnings.

How can you protect yourself?

Personal Umbrella Liability Insurance is a cost-effective way to protect your lifestyle, family and valuables. It’s an extra layer of protection over and above your auto, home or other policies also referred to as excess liability. It helps you cover lawsuits, settlements and jury awards. Umbrella policies are available in increments of $1 million ranging from $1 - $10 million.

To learn more email, call or visit us to discuss your needs with a trusted associate and get a custom quote.