Because along with sun, sand and beaches - there are a lot of lawsuits filed in our Sunny State.  Even a small incident can go sideways and could result in a threatening letter in the mail demanding more than your auto or homeowners liability limits.  An umbrella (aka excess liability) policy is a $1,000,000 (or more) layer of liability insurance that goes over the liability limits on your home and auto coverage. That’s why it is called an umbrella. Why do YOU need one?

  • Do you drive a car?
  • o   What happens if you seriously injure or kill someone in an accident?

  • Does your child babysit?
  • o   What happens if a child in their car is hurt?

  • Do your children use social media to vent?
  • o   What happens if someone feels the comments were disparaging?

  • Have you ever had work done on your roof?
  • o   What happens if someone falls off and is injured?

  • Do you have a pool?
  • o   What happens if someone dives in and hits their head?

No one wants to be involved in a lawsuit but having someone in your corner with legal experience can be a huge relief. That’s why we think everyone needs one.

Read more ACTUAL Travelers claims that could happen to anyone.

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