Personal Umbrella policies offer inexpensive coverage for most types of negligence claims and provide peace of mind, especially in today’s litigious environment. Automobile accidents are the most common source of liability claims. An Umbrella policy supplements your basic automobile liability coverage with an additional million-dollar layer of protection. Other examples of claims that may be covered under an Umbrella policy include a delivery person 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 individual exposures and how much liability insurance you carry within your underlying insurance policies (Auto, Home, Boat). We can offer limits of up to $100 million for high-net-worth clients.
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.
Covers financial risks involving employment-related claims such as wrongful termination or age discrimination.
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.