Civil liability - personal
To protect the assets that you have spent your life building, consider umbrella liability insurance. It offers you $1 million to $5 million in civil liability coverage, in addition to the coverage provided by your basic insurance policies (automobile, home, RV, etc.).
Umbrella liability coverage offers two types of protection:
1. Excess liability
This portion covers the same risks as your basic insurance policies, but enables you to increase the amount of insurance.
2. Umbrella liability coverage
This portion protects you against risks that aren't covered by your basic insurance policies, such as:
- Liability covered by the policy
- Personal injury
- Activities as volunteer director or officer
- Third-party property damage (includes rented/borrowed property)
Note: A deductible applies to products in this section.
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