Orlean residents
have received
thru June 2003


...and still counting!

ANPAC Umbrella - Personal Liability

What would you do if a legal judgment against you was greater than your primary insurance limits?

Everyday 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 life.

Take for Instance:

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.

The family 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!

This Type of Judgment Could Involve Attachments to Assets Like Your:

  • Home
  • Paycheck
  • Savings Accounts
  • Stocks
  • Bonds
  • Mutual Funds
  • Car
  • Boat
  • Many more!

ANPAC's Personal Umbrella Policy Provides:

Up to $5 million additional financial protection for your family over your primary limits includes:

  • Bodily Injury
  • Property Damage
  • Libel
  • Slander
  • Wrongful Eviction
  • Defamation of Character

Minimum Primary Limits Required:

Automobile Liability -

* $250,000/500,000 - Bodily Injury and
* $100,000 Property Damage

Personal Liability -

* $300,000 - Comprehensive Personal
* Liability and Homeowners

Farm Liability -

* $500,000 - Farmers Comprehensive Liability

Watercraft Liability -

* $300,000 Watercraft Liability

Rental Owners Liability -

* $300,000 - up to 10 locations (not to exceed
* 4 units per location, total of 20 units

* Requirements may vary by state.


This 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.

American National Insurance Company, Galveston, TX
American National Property and Casualty Companies, Springfield, MO

Products and services not available in all states