liability umbrella insurance

Most people have heard of a liability umbrella policy (aka:  umbrella policy), but they aren’t exactly sure what it is or what it does.  In general, an umbrella policy is ‘additional’ liability coverage designed to payout for a catastrophic event. This policy will pay out only after the underlying  policy limits on the auto or […]

In today’s economy, everyone is pinching pennies.  So why worry about umbrella coverage?  Shouldn’t a home and auto policy leave you adequately covered?    Unfortunately, we live in a world of lawsuits.  Large damages can be awarded, be extremely expensive and have long-term financial impact.  Those lawsuits can come from unlikely sources, such as our […]

  Aunt Katherine couldn’t wait to celebrate Olivia’s graduation from college. Having her favorite niece out of state for four years was difficult for her since they were so close. After dinner with family and friends — and a few toasts — her jet lag got the best of her and it was time to go. […]

  Ashley and  Andrea were going to meet for dinner. Ashley couldn’t remember what time they were supposed to meet, so she decided to send a quick text to check. With her eyes focused on her phone, Ashley didn’t see the two bicyclists in the crosswalk until it was too late. Both cyclists sustained serious injuries, […]

Real-World Case Study: Drowsy Driver Puts Lives in Peril Restless due to many days of unrelenting snowfall, best couple friends, Lori and Scott and Kim and Jay, decided it was the perfect time for a road trip to Las Vegas. After an action packed weekend with many memories made, the four headed home with Scott […]