Excess Liability Protection for Your Hard-Earned Assets

In a society where litigation is increasingly common, every asset holder should consider the risk of a significant liability claim. While we often see these legal battles in the media, they gain a new level of importance the moment they affect your personal financial security.

Like most people, you likely have homeowners, auto, or watercraft insurance. It is vital to recognize that these policies come with specific liability limits. If you are found liable in a major accident, your standard coverage may be exhausted, leaving your personal assets; such as your home, savings, and future earnings, at risk of being seized to pay for damages.

This is where a Personal Umbrella Policy (PUP) becomes essential.

A PUP is extra liability insurance designed to protect you from catastrophic claims. It supplements your existing liability coverage (including home, auto, and renters’ policies), kicking in only when those primary limits are exhausted. The primary reason to have a Personal Umbrella in place is to shield your assets, ensuring they remain additionally protected regardless of a legal judgment.

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Coins stacked with umbrella protection

Umbrella Liability Provides Coverage For

Bodily Injuries

Serious accidents on your property or involving your vehicle.

Property Damage

Significant damage caused to the property of others.

Personal Claims

Protection against slander, libel, malicious prosecution, and false imprisonment.

Legal Defense

Coverage for the high cost of lawsuits, such as slip-and-fall accidents on rental or business premises.

Other Risks

Protection against incidents like dog bites or other situations where you are held personally liable.

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