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One lawsuit can change everything

If someone is injured on your property, or because of an accident you caused, you’ll likely be held liable. And, what if the settlement or judgment costs you more than what your home or auto policy covers? How will you pay?

Standard homeowners and auto policies provide only minimal liability coverage, which can put the cumulative value of your home, vehicles, savings and investments at risk.

A Personal Umbrella policy provides extra liability protection by extending the limits of your auto, home or boat policies. Should you be named in a lawsuit, a personal umbrella policy will cover defense costs, attorney fees and other charges associated with a lawsuit that exceeds the limits of your basic policies.

Owning several homes, having multiple drivers, a trampoline or employing domestic staff all increase your risk of being targeted in a lawsuit. Affluent families and individuals are especially vulnerable. The greater the wealth, the more likely you are to be targeted in a lawsuit.

Did you know that if the judgment or settlement extends beyond your current assets and insurance limits, you could be required to pay based on your potential, future earnings? Anyone with established assets will benefit from a $1M to $10M Personal Umbrella policy. 

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