In the unfortunate event of someone getting injured on your property or due to an accident you caused, the potential liability you may face can extend beyond the coverage provided by standard homeowners and auto policies, leaving your home, vehicles, savings, and investments at risk.

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To ensure comprehensive protection, a Personal Umbrella policy offers additional liability coverage by extending the limits of your auto, home, or boat policies. In case you become a party to a lawsuit, the personal umbrella policy will cover defense costs, attorney fees, and other expenses that exceed the limits of your basic policies. This policy becomes effective once your basic liability coverage reaches its limit or if the claim is not covered under your basic policy.

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Even if you are found not at fault, your Personal Umbrella policy will still cover your legal expenses, providing an extra layer of protection and financial peace of mind. However, it's essential to note that once the limits of your Personal Umbrella Policy are exhausted, you will be responsible for paying the remaining claim amount out of pocket.

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The following items are covered by your Personal Umbrella policy:​

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• Legal defense fees

• Attorney fees

• Monetary judgments/settlements

• Medical bills, including therapies

• Lost wages for the injured

• International Coverage

 

 

The following items are NOT covered:

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• Injury to the insured.  A Personal Umbrella policy only covers bodily injury or property damage to others, not yourself.

• Intentional acts.  If you harm or injure someone intentionally (not including self-defense), the resulting claim will not be covered by a Personal Umbrella policy.

• Business actions.  Personal Umbrella policies do not cover you in business, even if you’re the business owner. Instead, business liability policies exist for this purpose, including: Directors and Officers Insurance, Employment Practices Liability Insurance, General Liability Insurance, Professional Liability Insurance and more