Recall that in recent years the tendency of juries has been to grant larger and larger financial awards. This trend could have devastating significance for you if you:

• drive an automobile
• transport other people’s children in your car
• have a teenage driver in the family
• own your home or condominium
• own a residence rented to others
• have sitters or cleaning people work in your home
• have a swimming pool
• have a big or excitable dog
• own a boat
• are active in sports such as golf, biking or skiing

Imagine being sued and found liable for damages of one million dollars or even more. What financial effect would such a loss have on you…your family…your future?

With the added protection of a Personal Umbrella Policy, you can get through a situation as this and have the peace of mind that comes with personal security.

The basic umbrella policy is issued for $1,000,000. Higher limits, in increments of one million dollars are available for additional premium.

Extra Protection

A personal Umbrella Policy provides the extra liability coverage you need.

Higher Limit

It takes over where your primary liability coverage stops, providing protection over and above the limits of your primary policies.

Extra Protection

The Personal Umbrella Policy also provides coverage usually not found in your primary policies, such as:

• world-wide, non-owned auto liability coverage for you and members of your household
• personal injury resulting from libel, slander, false arrest, invasion of privacy or wrongful eviction
• liability you assume under a contract or agreement; written, oral or implied

Defense Coverage

In the event a lawsuit brings the Personal Umbrella Policy into play, the insurance company which issued the Personal Umbrella policy will provide defense coverage if it is not already provided in your primary liability coverage. Even if the lawsuit is groundless, the insurance company will pay the cost to defend you.