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Lawsuits have become commonplace in today’s world, and more and more we’re seeing larger awarded sums than ever before. In fact, in 2013 over 60,000 injury cases appeared in U.S. courts, each averaging $60,000 in payouts!

To help protect your hard earned assets, you maintain liability coverage with property insurance like auto and homeowners. These policies have limits though, and with increasing frequency, lawsuit awards are exceeding these limits. That’s where Personal Liability Umbrella insurance comes in.

An umbrella policy is an extra layer of liability coverage, designed to go above and beyond the coverage of your other insurance policies. If you’re ever sued for damages, and the verdict exceeds even the highest limits on your existing liability coverage, an umbrella policy kicks in to cover the additional expenses so you don’t have to put your savings, your home, or your business at risk.

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