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Protect yourself , your family and your home against these uncertanties with a
P E R S O N A L   U M B R E L L A    P O L I C Y .

This policy was designed for special clients- those who qualify and maintain all of their liability insurance.
Umbrellas provide clients with three important Liability Coverages.

1 Liability insurance which is in addition
to the limits of your Automobile , Homeowners,
and Recreational Vehicle or Boat Liability policy limits.

2 Coverage for unknown or unexpected
exposures excluded in many automobile
homeowners and rv or boat liability policies.
A few exclusions will still apply.
(Consult policy for details.)

3 Coverage for the cost of our attorney
defending you. This includes court costs, interest on
judgements and premiums on necessary bonds.

The chart below shows you how Personal Umbrella policies give you the additional liability coverage above and beyond the liability protection provided by standard automobile,
homeowners and recreational vehicle liability policies. The dark blue area shows you the coverage provided by the standard underlying policies. The lighter blue shading shows you
how the personal umbrella policy will increase your non-business liability protection. The second feature of the personal umbrella policy is illustrated in the "other" column.
The blue shading also shows how the policy would provide protection for the three important coverages, subject to the policy exclusions.