would you do if a legal judgment against you was greater than
your primary insurance limits?
you hear about high dollar judgments that have been awarded to
injured parties. Accidents are bound to happen and today's litigious
society paves the way for many additional high dollar lawsuits.
A legal judgment against you, that is more than your primary insurance
limits, could leave you in a financial bind for the rest of your
You are late
for work and run a red light. As a result, your car hits a school
bus and several young passengers are injured. One of the passengers
is a 13-year old who suffers severe brain damage.
of the 13-year old sues you and receives a judgment for $750,000.
Your primary automobile insurance coverage limit is $300,000.
who pays the remaining $450,000? You do!
of Judgment Could Involve Attachments to Assets Like Your:
Personal Umbrella Policy Provides:
Up to $5
million additional financial protection for your family over your
primary limits includes:
Primary Limits Required:
$250,000/500,000 - Bodily Injury and
* $100,000 Property Damage
$300,000 - Comprehensive Personal
* Liability and Homeowners
$500,000 - Farmers Comprehensive Liability
$300,000 Watercraft Liability
Owners Liability -
$300,000 - up to 10 locations (not to exceed
* 4 units per location, total of
Requirements may vary by state.
website represents only an outline of the coverages provided and
may not be available in all states. Please refer to the policy
for specific wording and any applicable exclusions.