Personal Umbrella Policy

Umbrella liability coverage protects against the potential financial fallout of certain types of unforeseen events that lead to property damage or injury, for which the policyholder is held responsible.  The policy generally takes effect when the liability coverage from other forms of insurance (e.g., auto or homeowners) have been exhausted.

Here are some of the ways an umbrella policy can help when covered events threaten your financial security:

Your son causes a car accident

While away at college, your 19-year-old son causes an accident that seriously injures a tech company’s top executives. Your auto insurance liability limits may not be high enough to cover their medical expenses and lost income while they recover.

Your injured guest needs ongoing care

A guest at the pool party you’re hosting slips on your diving board and falls onto a stone-paved deck. She’ll be okay — but will need back surgery and ongoing rehab. The cost of this care will exceed the limits of your homeowners policy.

Your injured friend can’t work

Your friend trips and falls over a toy left in the middle of a hallway by your young son. She won’t be able to work for some time, and the liability limits of your homeowners insurance may not be high enough to cover her medical bills and other compensation.

You flood your downstairs neighbor

You forget you left your bathtub running when you get distracted while checking for mail in your apartment building’s lobby. While you’re gone, the tub overflows — deluging your downstairs neighbor’s home office. Renter’s insurance won’t cover the full costs of damage to her property and business.

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