Umbrella Insurance

You don’t have to be a millionaire to be sued by one.

The courts are awarding increasingly large judgments, often reaching millions of dollars, in liability cases involving injuries and property damage. Auto ownership, home ownership, recreational, professional and personal activities can all lead to losses for which you may be personally accountable and legally liable.


A Personal Umbrella Liability (PUL) policy offers an extra layer of protection for your assets, including liability coverage for bodily injury, property damage, and personal injury to others for which you are held liable. PUL coverages are above the limits of your homeowners, auto, and boat insurance policies, and are designed to kick in when the liability on these other policies has been exhausted. In addition, the PUL policy provides coverage for claims that may be excluded by other liability policies.