Personal Umbrella & Excess Liability Insurance

Protect yourself from life's rainy days

What would you do if you found yourself in one of these situations:

You, your spouse or your teenage child is determined to be at fault in a collision with another vehicle, and the damages exceed your car insurance’s liability limits.
Your dog bites a cousin who is visiting your home from out of town, and you’re now responsible for the cousin’s ER treatment and medical costs.
A neighbor’s child falls off the trampoline in your backyard, and the parents subsequently sue you.

Are you prepared? It’s important to understand personal umbrella and excess liability insurance and how this coverage can help protect your family and your livelihood.

Personal umbrella

The term "umbrella" refers to the way this policy shields your assets more broadly than your standard auto and home coverage.

You may need umbrella coverage for its additional features, including:

False arrest
Libel
Slander
Invasion of privacy

Excess liability

Get the extra coverage you need, beyond what your home and auto policies provide. You may need excess coverage for:

Legal costs and court fees
Lost wages while appearing in court or at a hearing
Interest accrued on unpaid judgments

At McGriff, we’re here to advise you on the differences between these two types of coverage and help you get the protection you need. Contact us today to start a conversation.