Umbrella Coverage

Unfortunately, bad things happen from time to time. Sometimes really bad things happen. For example a horrific car crash or a tragic accident in your backyard that you are liable for could wipe you out financially.

An umbrella policy provides an extra layer of liability protection. We can offer up to an to an additional $5 million in coverage for insureds and eligible family members of insureds against lawsuits arising from personal injuries or property damage claims. This coverage is over and above your auto and home policies.


  •  Protection at an affordable price
  • A higher level of coverage if a covered driver causes an accident and is liable for injury to others or property damage
  • A higher level of coverage if someone is hurt on your property.
  • Coverage for family members, worldwide, for actions that may cause injury to others or property damage. (Its nice to know that this policy will follow you everywhere!)
  • Peace of mind knowing that your financial interests are protected

“You never think it will happen to you.”

Case #1

A jury awarded $900,000 to the estate of a 43 year old father who died after an automobile accident. The award was based on the fathers future earning potential.

Case #2

While helping a friend paint his home a 40 year old man fell and broke his heel. Although the homeowner was found only partially responsible the fall cost him $1,200,000.

Case #3

At an end of the year swim party at an insureds house, 16-year-old David dove and hit his head on the bottom of a pool. He became a quadriplegic, and the case resulted in a $1.5 million settlement against the family.

Case #4

An insured permitted several of her children and their friends to play paintball in her large back yard. The children were experienced and advised of all the safety rules including the use of headgear at all times. A participant removed her headgear as she was leaving the field in order to better hear someone calling her name. The minor claimant was hit in the eye resulting in a $475,000 settlement.

Case #5

A babysitter left a 5 month old infant unattended in a walker. The infant toppled the walker, struck her head on the floor and suffered brain damage. The parents of the infant sued the teenage babysitter and her parents. The court awarded the infant’s parents $11,000,000.

Case #6

The insured’s 18 year old son was driving the insured’s car on a short trip to the movies with his best friend. He lost control of the car and struck a pole. The insured’s son told the police that a truck had  cut him off, but there were no witnesses and no evidence of any impact with another vehicle. His best friend, a 20 year old college student, was hospitalized for over a month with multiple fractures and internal injuries. He was in a wheelchair but is now able to walk with crutches and continues with physical therapy.  The insured’s personal umbrella policy limit was paid.

For just pennies a day, an umbrella liability policy protects you in the event of a catastrophic claim!



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