In today’s fast paced world with an ever increasing numbers of lawsuits, an umbrella policy can provide an additional layer of liability protection, providing peace of mind in a lawsuit. A personal blanket excess liability policy, also known as a personal umbrella policy, covers you above and beyond the underlying liability provided in your auto, homeowners, motorcycle or boat policy, as well as some coverage not found in the previous policies. If you were found at fault and personally responsible in a major auto accident, all of your assets (home, savings, retirement, investments, future earnings) could be at stake.
Umbrellas typically cover:
- Bodily injury and property damage claims
- Personal injury liability claims (libel, slander, defamation of character, invasion of privacy)
- Legal defense costs (associated with a covered event)
- Available in $1 million increments, typically up to $10 million.
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