Personal Umbrella

A personal umbrella policy provides additional liability protection at limits of $1,000,000, $2,000,000, $3,000,000, 5,000,000 or even $10,000,000 over and above the limits noted in your existing basic insurance in your auto and homeowners policy.

The umbrella policy helps to protect your estate from the financial tragedy that can come from a liability lawsuit.

Do you know the value of your assets? Please click the link below to total your assets and identify uninsured assets.
Asset Calculation form

For complete program details and a competitive quote call: 1-800-866-0777 to speak with an agent directly.

 

Get a Quick Quote

Personal Umbrella Products

Our agency writes stand-alone umbrella policies for a range of applicants in the marketplace today.  We offer coverage for preferred or standard households, as well as farm and ranch owners.  If you would like more information on our personal umbrella products please contact our agency directly at 800.866.0777 or preview the products below.

Personal Umbrella coverage for Preferred or Standard Clients:

Our Personal Umbrella for Preferred or Standard Applicants is designed for households with acceptable, but not perfect driving records, mid-sized watercraft and multiple home and automobile exposures. Risks in the name of a trust, estate, LLC or LP are eligible.

Personal Umbrella coverage for Farm/Ranch Owners:

This Personal Umbrella Product is specifically tailored to meet the unique needs of farm and ranch owners. The product features include coverage for farm vehicles, volunteer activities, non-owned watercraft and recreational vehicles.

 

Claim Examples:
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.

Driving While Texting: Distracted Driving Case Study Personal Umbrella

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.

 

Do you know the value of your assets? Please click the link below to total your assets and identify uninsured assets.
Asset Calculation form

For complete program details and a competitive quote call: 1-800-866-0777 to speak with an agent directly.

 

Get a Quick Quote