Umbrella liability insurance, or excess personal liability coverage, is intended to protect you in case you are held personally liable to another person for injury or property damage.
For example, if you accidentally cause bodily injury or property damage to someone and they successfully sue you, your personal liability policy can provide coverage to pay the damages.
These policies are called “excess” policies because they insure the “excess liability” over the limits which otherwise may be provided in your homeowner’s, auto, or other insurance policies.
If you have any questions about Umbrella Insurance or you think you might need it now, contact CMR Insurance today.
Did you know?
Umbrella liability policies are great for active individuals who want to protect their assets and whose activities may include: volunteering, carpooling/driving other people or their children, entertaining at their home, taking others out boating or snowmobiling, serving on their condominium’s board of directors, or other activities which create more liability exposures.
Watch this helpful video from Central Insurance providing a brief overview of umbrella liability insurance.
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