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  • AUTO
  • BUSINESS
  • UMBRELLA
  • JEWELRY / FINE ARTS
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  • SITE HOME
  • PROPERTY
  • AUTO
  • BUSINESS
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Yes! You Need an Umbrella Policy

Umbrella Policy

In the unfortunate event that you or your family are found liable for accidents to visitors in the home or accidents away from home, an umbrella policy can provide added protection which may be outside the coverage provided in your homeowners or auto policies.  In the event of a lawsuit, if you are found liable and the liability limits for your home, auto or other liability policies are exceeded, an umbrella policy can provide the additional protection you need.  

DID YOU KNOW...?

Both your homeowners and auto policies have liability limits based on your selection when opening the policy.  In the event of an accident or mishap where you or your loved ones are determined to have liability, the damages awarded from a lawsuit may exceed the limits of your policy.  Additionally, you may be sued for liabilities outside the scope of coverage in your homeowners or auto policies and it will likely require an attorney to defend your interests in these situations. An Umbrella Policy may provide the added protection you need from unforeseen financial risks. 

BECAUSE ACCIDENTS HAPPEN!

 The frequency and cost of lawsuits have increased dramatically during the past decade.  Family life, daily activities or business operations may result in unforeseen lawsuit exposures.  That's why people and businesses purchase insurance protection.  However, without Umbrella Insurance they could be putting their house or business assets at risk! 

REAL LIFE EXPERIENCES

Teen Driver

Periodontist Injured

Periodontist Injured

An insured's teenage son was driving his younger sister and friend to the movies.  He lost control of the vehicle and hit a telephone pole. The sister's friend lost the use of their right arm and suffered brain damage. The claim was settled for $1,350,000.


Policies Affected:

Auto & Umbrella

Periodontist Injured

Periodontist Injured

Periodontist Injured

 A 41-year-old periodontist suffered injuries to his face and fingers following an auto accident. A jury assessed the defendant's damages at $576,000. 





Policies Affected:

Auto & Umbrella

Scholarship Ruined

Periodontist Injured

Social Media Attack

A teenager who was destined for greatness as a softball player, filed a $700,000 lawsuit against her former coach alleging that his 'incorrect teaching style' ruined her chances for an athletic scholarship. 



Policies Affected:

Homeowners & Umbrella

Social Media Attack

Periodontist Injured

Social Media Attack

An insured's daughter hated her math class, as well as the teacher of that class.  The daughter then made several disparaging remarks about her teacher on-line to her friends. The teacher successfully sued the parents for $750,000.


Policies Affected:

Homeowners & Umbrella

WHEN SHOULD YOU CONSIDER AN UMBRELLA POLICY?

  • Your assets are greater than your insurance liability limits.
  • You are financially responsible for children.
  • You frequently host guests on your property.
  • Your residence includes a swimming pool.
  • You own a watercraft or off-road vehicle.
  • You own rental or vacation properties.
  • You participate in volunteer activities.

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Copyright © 2024 River City Insurance - All Rights Reserved.  Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language and contact your agent for further discussion 

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