personal insurance since 1955.
 

Our experienced agents are prepared to offer you the most comprehensive coverage at the most competitive rates.

$1,000,000 Personal Umbrella Liability Policy

Often called an "umbrella" because it is carried over all other liability insurance and is used for a catastrophic loss when "primary liability" insurance is exhausted. This policy adds $1,000,000 ($2,000,000 to $10,000,000 also available) extra coverage to your personal liability and automobile liability policies. Coverage is provided for you, your spouse and any relatives living in your household and insured by your primary policies. 

This policy is designed to cover catastrophic situations where a legal award could exceed the limits of your primary liability insurance. This policy also includes coverage if you are sued for false imprisonment, wrongful eviction, libel, slander, defamation of character or invasion of privacy.

Coverage DOES NOT apply to: 

  • intentional acts of the insured,
  • aircraft, 
  • the business, profession or occupation of the insured,
  • workers compensation, unemployment, or similar laws 
  • owned but uninsured motor vehicles, including watercraft vehicles used for racing (except sailboats)
  • some organization officer and director activities.
There are many factors to consider when calculating a premium: the state in which you live, the number of liability exposure you have (cars, drivers, boats) etc. Usually the best rates occur when the customer insures both auto and home with the same company as the umbrella. This is a requirement for many insurers offering umbrella coverage.