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Anyone can be sued. Nowadays, a single lawsuit - even if you win - can cost hundreds of thousands of dollars. And the greater your assets, the more you have at risk.
Excess Liability Coverage (also called Umbrella) helps protect you against personal liabilities that could attack a substantial portion of your assets (even with the liability coverage provided by your auto and homeowners policy). For example:
- A guest at your child's pool party dives unknowingly into the shallow end of your pool, and suffers devastating paralysis. You are sued for an enormous sum of money.
- As you drive your car, you accidentally injure a successful entrepreneur in the crosswalk. Medical costs, lost earnings and damages amount to millions.
- You're having a wide-screen television delivered to your home, and one of deliverymen slips and falls on your steps and breaks his leg.
Excess liability protection has become more and more important in these litigious times. Our staff helps you determine the proper limits to protect your personal assets.
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