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Each day brings new possibilities for unfortunate accidents and liability claims.  Many people don't recognize their loss exposures, which can unfortunately result in catastrophic loss and significant financial burden.  The following scenarios are factual claims that cost these families a fortune.

Internet blogger:  The insured's daughter hated math class as well as the teacher.  The daughter made several "disparaging" and false remarks about her teacher online.  The teacher sued the parents for personal injury and $750,000 was paid.

Faulty Furnace:  The insured's tenant claims she became ill from carbon monoxide poisoning resulting from a faulty furnace.  The tenant claimed permanent brain damage and demanded $750,000.

Coaching Circumstances:  A teenager, who was destined for greatness as a softball player, filed a $700,000 lawsuit against her former coach alleging his incorrect teaching style ruined chances for an athletic scholarship.

An umbrella insurance policy, also know as excess liability, provides an additional layer of liability insurance coming into effect once the underlying limits are exhausted or the retention level is met. This single policy acts as an "umbrella" over all of your other personal liability policies (home, auto, boat, RV, etc.) so you have a higher personal liability limit than what would otherwise be available.  This protection will “kick-in” when the liability on other current policies have been exhausted. 

If you would like to find out more about this important coverage, contact us at (800) 807-6871 for a free consultation. 
Posted 1:30 PM

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