Protect Your Assets with Comprehensive Liability Coverage

In today’s litigious society, standard insurance policies may not provide sufficient coverage against significant liability claims. A Personal Umbrella Policy offers an extra layer of protection, ensuring your assets and future earnings are safeguarded.

What Is a Personal Umbrella Policy?

A Personal Umbrella Policy (PUP) is supplemental liability insurance that extends beyond the limits of your existing auto, homeowners, or watercraft policies. It provides coverage for:

  • Bodily Injury Liability: Injuries to others due to accidents where you’re at fault.

  • Property Damage Liability: Damage to someone else’s property.

  • Personal Liability: Claims like libel, slander, defamation, or invasion of privacy.

  • Legal Defense Costs: Coverage for attorney fees and court costs, even if you’re not at fault.

Why Do You Need Umbrella Insurance?

Consider scenarios where liability claims exceed your standard policy limits:

  • Auto Accidents: You’re at fault in a multi-vehicle accident with significant injuries.

  • Home Incidents: A guest slips and falls on your property, leading to a lawsuit.

  • Personal Actions: You’re sued for defamation over a social media post.

In such cases, a PUP can cover the excess costs, protecting your savings, home, and future income.

Key Benefits

  • Extended Liability Coverage: Typically starts at $1 million, with options to increase.

  • Worldwide Coverage: Protection against incidents occurring outside the U.S.

  • Affordable Premiums: High coverage limits at relatively low costs.

  • Peace of Mind: Confidence knowing you’re protected against substantial claims.

Who Should Consider a PUP?

  • Homeowners and Landlords

  • Parents of Teenage Drivers

  • Individuals with Significant Assets

  • Public Figures and High-Profile Individuals

  • Volunteers and Board Members of Nonprofits

If you engage in activities that increase your liability risk, a PUP is a prudent investment.

Get Started Today

At Customers First Insurance Group, we prioritize your peace of mind. Our experts will help you assess your needs and find the right umbrella policy to complement your existing coverage.

Contact us today to learn more about Personal Umbrella Policies and how they can protect your financial future.

 

 

 

 

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