You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.

The Umbrella Insurance industry loves its jargon. And unless you’re around it every day, as we are, there is a strong possibility it may leave you scratching your head, so here is a brief overview of Umbrella Insurance coverage.


Today we live in a very litigious or lawsuit-happy society. And judges and juries are handing down larger money awards than ever before. Subject to policy limits and exclusions, with a Personal Umbrella policy you have:

  • Additional coverage over and above the liability limits of your underlying policies, such as auto and home.
  • Your assets, as well as your future earnings, are covered


Besides providing increased liability limits, a Personal Umbrella policy gives you these additional benefits:

  • Coverage against claims that may not be covered by your underlying policies for home and auto liability, such as libel, slander or defamation of character
  • Defense costs and attorney’s fees associated with claims against you that are covered by your Personal Umbrella policy, but not your primary policies. These expenses are paid in addition to our policy limit.
  • Coverage anywhere in the world.


NOTE: Your auto policy must have certain limits in order for you to qualify for an umbrella policy.

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