Liability & Umbrella

Did you know…

A Personal Umbrella client with one house and two vehicles often pays less than $225 in annual premium for $1,000,000 of additional liability insurance coverage.

Did you know…

The frequency and cost of lawsuits has increased dramatically in the past decade. The following claims are real-life examples of lawsuits filed every day.

• Internet Blogger: The insured’s daughter hated math class as well as the teacher. The daughter made several “disparaging” remarks about her teacher online. The teacher successfully sued the parents for $750,000.
• Faulty Furnace: The insured’s tenant claims she became ill from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and demanded $750,000.
• Coaching Circumstances: A teenager, who was destined for greatness as a softball player, filed a $700,000 lawsuit against her former coach, alleging his “incorrect” teaching style ruined her chances for an athletic scholarship.

Did you know…

Your family and your daily activities result in lawsuit exposures every day. You should consider purchasing a Personal Umbrella Policy if:

• Your assets are greater than your insurance liability limits.
• You are financially responsible for children.
• You frequently host guests on your property.
• Your residence includes a swimming pool.
• You own watercraft or off-road vehicles.
• You own rental or vacation properties.
• You participate in volunteer activities.