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Personal Umbrella: The Rainy-Day Insurance Policy

Liability insurance covers you or your family members in the event of an accident or loss that results in bodily injury or property damage to others. You look to Homeowners and Auto insurance for that coverage; however, the maximum limits of Liability coverage provided with these policies may not be enough protection in today’s litigious landscape. Multi-million-dollar lawsuits are commonplace and without the right amount of protection, your assets would be jeopardized. This is where a Personal Umbrella Liability policy from Arroyo steps in.

Why Purchase A Personal Umbrella Liability Policy?

You would be covered in the event that a judgment against you exceeds your Homeowners or Auto insurance limits, up to the Umbrella limits you purchase.

  • You would have protection for damages in the case of libel and other situations specifically excluded by your Homeowners and Auto insurance.
  • Your assets, which could be sold because of an uncovered judgment, would be protected, up to the policy limits.
  • Your earnings, which could be garnished because of an uncovered judgment, would be protected.

Inside Personal Umbrella Insurance

An Umbrella policy covers you for the following:

  • Personal injury or property damage caused by you or members of your family, including hazards on your property for which you are liable;
  • Personal liability coverage for incidents that occur on or off your premises;
  • Additional protection limits above your Auto policy against auto-related liabilities;
  • Protection against non-business related personal injury liabilities including slander, libel, wrongful eviction or false arrest;
  • Coverage for the legal defense costs of a covered loss; and
  • Protection worldwide—you receive coverage no matter where you go. The only exception is for situations involving foreign ownership of dwellings or cars.

We’re ready to discuss your needs so that we can properly safeguard your assets.

We offer our high net worth clients high Umbrella limits to protect their assets. Please visit Arroyo’s Private Client Services for more information.