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Umbrella insurance is additional liability insurance. It is intended tohelp protect you against major claims and lawsuits. For this reason it helpsprotect your personal assets and your future. It does this in two ways:
Umbrella insurance provides coverage for injuries, property, certain lawsuits, and other personal liability situations. Umbrella insurance covers you beyond the limits of the policies named above. It also covers some situations not covered by other types of policies.
These examples of umbrella policy coverage provide more information on how they protect you:
Bodily Injury Liability – This covers the cost of damages to another person's body. These examples include the cost of medical expenses and/or liability claims due to:
Property Damage Liability – This covers the cost of damageor loss to another person's tangible property. These examples include the cost associated with:
Owners of Rental Units – This helps protect you against liability you may face as a landlord. These examples include the cost of liability claims caused by:
Coverage is also provided should you be sued for: