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Personal Umbrella policies provide an additional layer of protection for personal legal liability. Sometimes called Excess Liability, it is a single policy that covers over and above all of the primary “underlying” policies you own (auto, home, motorcycle, boat, etc.). Umbrella Insurance is designed to respond in the event that the limits of liability from the primary policies are used up or exhausted.
Most Personal Umbrella policies start with a limit of $1 Million. However, increased limits of liability are available.
These policies typically include very broad coverage, as well as additional coverages that may not be included in the underlying Homeowners and Automobile Policies. A few of the perils often included in standard Personal Umbrella policies are: libel, slander and false arrest.
Personal Umbrella insurance carriers require minimum limits to be purchased on the underlying primary policies in order to be considered for acceptance of coverage.
We invite you to speak with our licensed experts who will guide you in finding the perfect solution to fit your needs.