Imagine if you were sued for $1 million! It couldn't happen to you? A few years ago, million-dollar lawsuits were front-page news. Now they are all too common - your brakes fail and you collide with another car, a guest in your home slips and falls. Any of these accidents could mean a visit to court. Will your insurance policy fully protect you and your family? A Personal Umbrella Policy could protect you against excess liability judgements for loss, injury, or even death caused by negligent acts. It is designed to provide liability protection over and above the insurance policies you currently have.

You may say - “We have auto insurance and homeowner's coverage. That should be sufficient. Why would we need an umbrella policy?” In the event of an accident, these will give you protection for bodily injury and property damage, or both - but only up to your policy limit. Beyond that, you would be responsible for paying excess amounts for which you are liable. These events did happen and could happen to you….

• A 6 year old boy suffered partial permanent impairment of one arm and hand while playing in a friend's yard and being lifted over a fence to retrieve a ball. - Compensatory Award: $1,220,000
• A driver was rear-ended by an uninsured motorist, which forced the driver's car into another vehicle, causing injuries to the occupant of the front vehicle. - Out of Court Settlement: $1,250,000
• A teenage driver hit a parked truck, causing his passengers to suffer serious head injuries. - Out of Court Settlement: $1,875,000

Your financial future could depend on proper liability coverage. A Personal Umbrella Liability Policy can be applied as an extra layer of protection above and beyond your automobile, homeowners or boat owners insurance policies for a very reasonable rate. Call your insurance agent today and inquire about a Personal Umbrella Liability Policy to protect your family's financial future.