Umbrella policies offer inexpensive coverage for most types of negligence claims and provide peace of mind. Automobile accidents are the most common source of claims. An umbrella policy supplements your basic automobile liability with an additional million-dollar layer of protection. Other examples of claims that may be covered under an umbrella policy are the postman falling on your premises, or an accident in or around a pool that results in serious injury or death.
The cost of coverage for Personal Umbrella policies depends on your exposures and underlying insurance. We can offer limits of up to $100 million for high-net-worth clients.
Personal Umbrella insurance coverage includes:
This policy allows organizations to offer high limits of personal excess liability to employees, on a group basis, at a considerably discounted price. The policy can be structured by the organization to net the most favorable benefits for participants.
Employment Practices Liability
Covers financial risks involving employment-related claims such as wrongful termination or age discrimination.
Directors & Officers Liability
Covers individuals serving on the board of a non-profit organization for liability arising from wrongful acts, errors or omissions enacted in the course of their duties — and in turn, provides protection of personal assets.