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Personal Umbrella (Excess Liability) Insurance
The Million Dollar Lawsuit...It could happen to you!
You don't have to be a millionaire to need $1,000,000 worth of protection.
A guest at your house, swimming in your pool, slips and falls on the diving board. The guest suffers a serious back injury.
You are giving a friend a ride on your snowmobile. You accidentally hit a rock and the vehicle overturns. Your friend loses a leg in the mishap.
While you are cutting your lawn, your mower catches a piece of metal and hurls it into the air, striking a child playing nearby. The child loses sight in one eye.
A lawsuit might be the result...
whether or not you're held responsible in any of these cases. Almost anyone can sue, and while these cases aren't everyday occurrences, hundreds of suits are filed daily. And, it could happen to you.
An "Excess" policy works with your present insurance to provide greater liability protection.
Covers you and your family for most personal injury and property damage liability losses.
Provides you with an "upper layer" of liability coverage. When an occurrence is covered by both required underlying insurance (including other insurance) and by the Excess Liability Policy, the excess coverage applies after the limits of liability of the Underlying Insurance policy have been exhausted--adding the additional layer to your overall liability protection program.
If an occurrence is covered by the Excess Liability Policy, and not covered by any underlying insurance (nor required to be), you are covered up to your policy limit after you pay the first $250 ($1,000 in NC and TX).
Covers you anywhere in the world.
Reimburses you for lost wages. If you are asked to appear in court for a loss covered by the policy, you will be reimbursed for lost wages up to the limits stated in your policy.
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