Added Features

Besides providing increased liability limits, a Personal Umbrella police gives you these additional benefits:

• You are covered against claims that may not be covered by your underlying policies for Homeowner’s Auto liability and Watercraft liability, such as libel, slander or defamation of character.
• You are covered anywhere in the world.
• You are covered for the defense cost and attorney fees associated with claims against you that covered by your Personal Umbrella policy, but not by your primary policies. These expenses are paid in addition to your policy limit.

Stop for a moment to reflect on everything you’ve worked hard for in your life – your home, your car, your family’s security. You may even have a recreational vehicle or a boat for family getaways. And, if you’re reading this, you probably have adequate Auto, Home and Life insurance coverage.

So chances are, you’ll never have to worry about exposure to a larger liability losses. But what if…?

In today’s society, no one is exempt from large liability losses, Lets’ face it: people are growing more willing to sue every day. The bottom line is: It can happen to you. If it does, Farmers can help get you back where you belong.

Even if you don’t maintain all of your current liability insurance with farmers, we have a coverage that’s perfect for you.

Supplement Your Existing Coverage

The parents of a teenager gave him a car or his 17th birthday. The parents had a Auto policy with a $500,000 per claim liability limit. One day, the teenage driver crossed over a median and collided head-on with another vehicle. Two passengers seriously injured. The 17-year-old driver was found negligent and ordered to pay $1,5 million to settle for the injury claims. Fortunately, the parents carried an Umbrella. The auto policy paid $500,000, and the Umbrella paid the remaining $1 million.

With a Personal Umbrella policy, you have additional coverage once the limits under your primary policy are used up. Your assets as well as tour future earnings are covered.

Verdicts

A driver hit a 4-yearold girl who darted out between cars, rendering her paraplegic.
Jury Verdict: $800,000

A driver hit a garbage truck, and a garbage man riding on the back of the truck is injured while jumping off. Garbage man is not hit.
Jury Verdict: $1,274,000

At a homeowner’s property, a railing on the balcony gave way and a guest fell to ground below.
Jury Verdict: $880,000

An uninsured motorist failed to stop at a crosswalk and struck a pedestrian, rendering him quadriplegic.
Jury Verdict: $930,415

A 5 year old boy visiting his friend’s house was knocked down and bitten by a neighbor’s golden retriever.
Jury Verdict: $475,000