Always protecting you, over all of your other policies is a liability umbrella.

There is a lawsuit filed in our country every 2 seconds. To say that we live in a litigious society would be a gross understatement.

There is a reason why an excess liability policy is considered the absolute best buy in insurance. Like an umbrella on a sunny day, an umbrella insurance policy is something you don’t expect to use. But, also like an umbrella, it’s much better to have it and not need it, than to need it and not have it.

Umbrella policies are not just for the wealthy. They are for everyone. Even if you won’t have $1 million in assets, in the rare event you are sued, you could be ordered to pay damages from your current assets and your future earnings. Judgements exceeding your liability limits can result in the liquidation of your savings, investments, real estate and personal property as well as your wages being garnished up to 25%.

An umbrella policy pays for your legal defense costs, which can quickly add up even if you win your case. If those funds are not available to hire a good attorney, you could be stuck with a public defender.

It also provides coverage for claims that may be excluded by other liability policies, such as false arrest, libel, slander, malicious prosecution, violation of privacy, and other civil charges. If you or your children use social media, this coverage is now more important than ever.

Best of all, umbrella policies are not expensive, and they could earn you discounts on your other policies. Call us to discuss your liability exposures and umbrella policies.