Excess/Umbrella Liability

An extra measure of security against catastrophic liability losses.

To protect against catastrophic liability loss, this policy grants liability coverage on top of the primary liability coverage provided by your homeowners, personal auto, watercraft, and any other scheduled underlying liability policies. It covers bodily injury, property damage, and personal injury, which includes offenses such as libel, slander, false arrest, invasion of privacy, and others. Perhaps the single most important coverage from an asset protection perspective, an umbrella policy can prevent a family from being totally wiped out from a catastrophic suit.