Excess Liability or Umbrella Insurance

What is Excess Liability Insurance?

Excess liability insurance is also called umbrella insurance because it provides additional coverage for almost everything else in your Property Casualty or P&C portfolio. As was mentioned in the auto and homeowners insurance sections, if you build an Emergency Savings Fund and raise your auto and homeowners deductibles, the difference in premiums is usually enough to cover this additional protection. Get a quote from your insurance professional today!

What Does Excess Liability Cover?

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Additional Liability for your Vehicles or Property!

If your auto or homeowners insurance has $100,000 of liability coverage, and you have an umbrella policy of $1,000,000, your Auto or homeowners liability is now $1,100,000. Excess liability is a must‑have protection!

How low can you go?

If someone is injured on your private or business property, if they are injured in an accident you caused, your auto or homeowners insurance will generally cover fairly minor injuries. What happens if you run out of money with your current coverage? You will probably get sued for the rest...

Slippery when wet, or frozen!

Drivers can lose control on wet and slippery surfaces and people lose their footing on the ice all of the time. If you are responsible or they are on your property you could be at risk as your current insurance coverage may not be adequate.

Active people have accidents!

Swingsets, jungle gyms, playhouses, trampolines, sports courts, and a myriad of additional recreational activities can cause injuries or even death.

An accident waiting to happen!

Recreational vehicles, personal watercraft, razors, boats, motorcycles, duane buggies, and other motorized vehicles are very popular and they are so much fun... until there is an accident. Emergency rooms are full of inexperienced and overconfident users.

Umbrella/Personal Liability Insurance:

Watch this video to get additional information about the types of things you need to be aware of when purchasing personal liability insurance.

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