Personal Excess/Umbrella

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Personal Excess/Umbrella

Protect yourself from life's rainy days.

There may come a day when you’re involved in an auto or boating accident. Or someone is injured on your property resulting in litigation against you for thousands or even millions of dollars.

Are you prepared? If not, you need to know about personal excess and personal umbrella policies. The differences between them are important and choosing the right policy could ensure that you are covered against potential disaster.

Excess Liability

A personal excess liability policy provides the extra coverage you need, beyond what your home and auto policies provide. You may need excess coverage for:

  • Defamation of character
  • Libel
  • Slander
  • False arrest
  • Legal costs and court fees
  • Lost wages while appearing in court or at a hearing
  • Interest accrued on unpaid judgments

Umbrella Liability

An umbrella policy differs from an excess liability policy in that it provides additional, broadening coverage. The term "umbrella" itself both refers to and describes, the way this policy shields your assets more broadly than your standard auto and home coverage.

You may need umbrella coverage for its additional features, including:

  • False arrest
  • Libel
  • Slander
  • Invasion of privacy

To find out more, speak with one of our experienced insurance specialists today.

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