We live in a litigious society. A single incident, such as an auto accident or an injury on your property, can make you the target of a lawsuit. Regardless of whether you are negligent, a single court judgment, or even the legal expenses to defend yourself against a claim, can ruin you financially. Standard policies for home and auto may not be able to cover your entire loss.

An individual umbrella policy can provide the security you need to avoid a catastrophic loss. It can protect everything you own. Umbrella insurance provides coverage for you and your family above the limits set by standard liability policies. If your homeowner's insurance carries a liability loss limit of, for example, $300,000, your umbrella policy will extend your coverage above $300,000, for amounts that can reach and exceed $1,000,000.

Umbrella insurance can extend your existing liability and legal defense coverage for automobile, aircraft, watercraft, employers liability, professional malpractice. And it can protect you from claims arising from events that may be specifically excluded from a standard policy, such as a dog bite or an accident on a golf course. Worldwide liability protection is also available to insure you against exposures when you are abroad.