An umbrella policy provides coverage that extends beyond your underlying liability limits for a covered loss. This extra protection is an affordable way to keep a devastating event from becoming a major financial setback.

What does Umbrella Coverage protect me from?

High-cost accidents can happen to anyone at any time. An umbrella policy can protect you from paying additional out-of-pocket expenses, up to the policy limit, for certain covered liability losses, such as another person’s medical or legal bills if you’re found responsible. For example, suppose you are found liable after a guest is injured while swimming in your pool. If the cost ends up being more than your standard liability coverage, your umbrella policy could provide additional coverage so that you don’t get stuck trying to pay the full remaining balance yourself.

Here are a few items that could be covered by an umbrella policy:

• Injuries
• Property Damage
• Landlord Liability
• Libel, Slander, False Imprisonment

You’ve worked hard for what you have, and you want to do everything you can to protect it.