An umbrella policy helps protect you against accusations of libel, slander, and invasion of privacy lawsuits as well as liability cases. This insurance provides funds to help you defend or settle such suits, thus protecting your assets and your family from the prospect of having to file bankruptcy if you would lose such a case.
There's no denying that we live in a litigious society. What may be less clear is how vulnerable most of us are to a lawsuit due to our activities.
For example, if you volunteer at your local church or food bank, you might be sued if you're in an auto accident while driving for these causes. Do you sell crafts at local craft fairs? What would happen if someone was injured tripping over one of your displays? Extreme sports can also be risky and not just to your body. You might inadvertently cause a fellow hunter, skier, or motocross rider's injury.
In most cases, these types of cases are not covered under your homeowner's or standard auto insurance policies. That's where umbrella insurance comes in.
Umbrella insurance is an affordable option that protects you and your family. In addition to personalized plans tailored to your needs, we also offer the following.
We will tailor your umbrella policy based on your specific needs, but here are some of the most common coverages that come with business insurance.
Umbrella insurance safeguards you from paying out of pocket for what you may owe after your home or auto limits. This prevents you from losing your assets, like your home or car.
In addition to covering your legal bills, umbrella insurance may cover another person's legal bills if you're found responsible.
An umbrella insurance policy can help prevent you from paying out of pocket for another person's medical bills if you're found responsible.
Umbrella insurance doesn't just cover accidents. It can also protect you if you're sued for libel or slander.
Here are some of our most frequently asked questions regarding homeowners insurance policies.
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