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Personal Umbrella Insurance
What is an Umbrella Policy?
In the event of an accident, or personal injury, medical and legal expenses can mount quickly.
Your basic automobile or homeowners' policy is probably well-equipped to handle most day-to-day occurances.
But in the event of a severe injury, or even a death, those kind of expenses mount even quicker and can become astronomical.
If your personal liability is involved, you want protection against the kind of catastrophic losses that would threaten your
personal assets after the limits of an ordinary automobile or homeowners' policy are exhausted.
Umbrella policies pick up where your home, auto and boat insurance leave off, providing extra coverage for large claims.
In today's world, almost every claim has the potential of developing into a lawsuit and huge liability awards are becoming more frequent.
You want to protect yourself and your family from the threat of financial ruin. With an Umbrella Policy you can enjoy peace of mind.
Just ask yourself this question:
If you were confronted by a lawsuit, could you afford to pay for all damages in excess of your automobile, homeowners or watercraft policy out of your own pocket?
Who is covered?
The policy covers every permanent member of your household; you, your resident spouse, resident relatives, and any person under the age of 21 living under your care.
Protection applies anywhere in the world.
This coverage protects against:
- Bodily injury to others.
- Property damage to others.
- Personal injury to others, such as libel, slander and malicious prosecution.
- Defense costs
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