Personal insurance > Personal Umbrella

Personal Umbrella Insurance

At times your personal insurance may not be enough. In that case person umbrella policy (PUP) would come in handy. This policy provides you additional cover beyond what your standard policy permits. It protects you and your family against devastating liability claims and judgements made against you.
Example:
You are at fault for an auto accident that injures a pedestrian. Your auto policy covers you for your limit. Let’s say your limit is $100,000. The pedestrian has a high paying job and can’t work for 1 year. They then sue you for $500,000. Your auto insurance covers $100,000 then your personal umbrella coverage would kick in and cover the difference up to your policy limits.
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Real Life (PUP) scenarios

Your teen driver hits a pedestrian.

Your pet Dog bites someone.

A guess at your home has an accident that requires treatment.

Someone walks and trips on a crack on the concrete at your home. Then they get a concussion and sues you.

While out hunting you accidentally shoot another camper. The family then sues you for damages.

You burned some leaves in your back yard then the fire spreads to your neighbors home and damages his house.

What is covered under a personal umbrella policy?

Bodily Injury 0

Medical costs, loss of income and funeral expenses of other people involved in an accident

Personal injury 0

False arrest, invasion of privacy, libel, slander, humiliation or defamation of another person's character

Property damage 0

Physical destruction of someone else's property

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Frequently Asked Questions

Your Questions Answered

Navigating through the intricacies of health insurance can often bring up many questions. That’s why we’ve compiled a comprehensive FAQ section where you can easily find answers to the most common and important questions about our health insurance plans.

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What is umbrella insurance?

Umbrella insurance is extra insurance that covers you beyond the limits of your coverage for your existing policy. Umbrella insurance can provide coverage for injuries, property damage, certain types of lawsuits, and personal liabilities.

How much umbrella insurance coverage do I need?

The cost for umbrella insurance depends on the amount of coverage you decide to buy. Coverage amount varies per person and also depends on the amount of coverage you have on your existing policy. Some other factors would depend on the amount of vehicles or homes you own or rent, along with other factors like your location.

What is not covered by umbrella insurance?

Umbrella insurance usually does not cover:

01. Injuries to you or damages to your personal
property

02. Liability you assume under a contract
Intentional or criminal acts causing damages to someone else

Does a personal umbrella policy cover my whole family?

Your personal umbrella cover may cover other members within your household. Members like your wife or your kids may be covered. Within the policy some exclusions may apply, so you would need to read your policy to confirm who qualifies for coverage.

Can renters benefit from a personal umbrella policy?

Anyone can benefit from a personal umbrella policy; if you rent or own, you may still face a liability claim. The extra coverage may protect renters if they are found legally liable for someone else’s loss. You may be liable for someone’s medical bills or property damage.

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