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Personal Liability Umbrella Insurance

You know the costs of personal injury claims and lawsuits are skyrocketing and that’s why you have third-party liability coverage in your automobile and homeowners policies.  But do you really carry enough insurance to protect you and your family if things go severely wrong?

For example, someone could slip and fall around your pool.  Or a child could sustain life-altering injuries just by falling off your trampoline in the backyard.  Or your teenaged daughter could cause a serious car accident which resulted in disabling someone for the rest of their life.  Are your current liability limits enough?

Extra protection

This is where personal liability umbrella insurance comes in.  You’ll be covered for expensive lawsuits or large damage claims that you, your family or even your dog (or other pet) may cause for a surprisingly low premium amount.  An umbrella policy can also safeguard you in the event your standard auto and home policies don’t provide coverage such as:

Type of Coverage Examples
Personal Injury

Slander, libel, false arrest, defamation of character and wrongful eviction

Legal Defense
Directors

If you are a member or officer of a board, you will be covered if that board is sued

 

You should think about getting personal umbrella liability insurance if you:

  • have a trampoline or swimming pool on your property

  • are responsible financially for the actions of an inexperienced, young driver
  • play a sport or participate in an activity where you may injure others

For more information, contact a Westland Insurance office today at (403) 259-2747 or call toll free at 1-888-259-2747.