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.

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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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