Umbrella Insurance

If you’re faced with a lawsuit or need to pay expenses to another party as a result of an injury or accident– the costs may quickly exceed the coverage limits of your auto or homeowners policy. A personal umbrella insurance policy provides broad coverage designed to protect your personal assets from unexpected catastrophic lawsuits.

  • Do you entertain at home including play dates and sleepovers?
  • Do you have children at home or in college?
  • Do you own animals or take care of someone else’s animals?
  • Are you on social media?
  • Do you travel outside of the US?
  • Do you volunteer or serve on any boards?
  • Do you own recreational vehicles or watercraft?
  • Do you have a swimming pool or trampoline?

Example 1

Insured driver rear ended a vehicle stopped to make a left turn, forcing it into an oncoming lane as 16 motorcyclists were going past. Three motorcyclists were caught up into the accident, injuring four motorcyclists and two occupants of the claimants auto.

Example 2

Insured was walking his dog on a leash. Stopped to talk to a neighbor and both insured’s dog and neighbor’s dog were barking. Both neighbor and insured pulled on the insured’s dog leash and the neighbor lost his balance, fell and sustained bodily injury. Claim filed against insured.

Example 3

A babysitter left a 5 month old infant unattended in a walker. The infant toppled the walker, struck her head on the floor and suffered brain damage. The parents of the infant sued the teenage babysitter and her parents.

Example 4

An insured’s daughter hated math class as well as the teacher. The daughter made several “disparaging” and false remarks about her teacher online. The teacher sued the parents for personal injury.

Our team understands that “one size fits all” is not an insurance option; we’d be more than happy to chat about your individual insurance needs.

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