Personal Umbrella Insurance

Personal injury lawsuits have increased dramatically in recent years. You hear about them. You read about them.  But, what if tomorrow's headlines told of you being the defendant in a million-dollar lawsuit?

Yes, you.

Your lawsuit might be the result of a traffic accident.  Perhaps a neighbor's child fell from a tree in your yard.  Or maybe someone slipped on your front steps.

Whatever, you suddenly find yourselt embroiled in a legal battle that is destined to have a devastating impact on the financial security you've worked all your life to build for you and your family.

The reason:  The plaintiffs claim your negligence was responsible for the accident which caused their injuries.  They've demanded $1 million.

Could you afford to lose a lawsuit of that magnitude?  Take a close look at your homeowner's insurance policy.  Then do the same with your car insurance.

What about your basic coverage?

Chances are your coverage is similar to that provided by most basic insurance policies.  And that means trouble because most basic policies barely scratch the surface when it comes to providing the type of protection that is a must if a family's financial security is to survive a million-dollar lawsuit.

What would happen if a judge or jury ordered you or a member of your family to pay damages of $1 million?  Or even several hundred thousand dollars?  Would you lose everything?

Not if you owned a Personal Umbrella.  The Personal Umbrella adds $1 million to your existing personal liability coverage.

This unique insurance works with your current coverage to protect you and your family from the financial ruin that can result from a million-dollar lawsuit.

You don't have to be a millionaire to be protected like one.

Personal Umbrella protection is surprisingly affordable - as low as $100 to $150 per year.  That's a very small price to pay to safeguard a lifetime of financial security.

And there's no better time than right now to take a moment and give us a call.  Should you have quiestions concerning the Personal Umbrella, please give us a call.

Details

PROVIDES up to $1,000,000 of liability protection over your primary underlying policies that your Home, Auto, and Watercraft.  Plus, higher limits are available.

Plus the policy provides $1,000,000 of liability protection after your $250 deductible (retained limit) for certain covered perils not usually included under the standard forms of liability insurance such as

  • Personal injury
    • False Imprisonment
    • Wrongful Conviction
    • Invasion of Privacy
    • Defamation of Character
    • Mental Anguish
    • Fase Arrest
    • Libel
    • Slander
  • Blanket contractual liability
  • Liquor law liability
  • Legal defense in all of these areas when coverage is not provided by basic liability insurance.

We have some of the best companies available to write your Personal Umbrella insurance:

Indiana Farmers
State Auto Insurance
Pekin Insurance