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Excess Liability (Personal Umbrella Insurance)

Protection For Your Future

In today's litigation-filled society, you don't have to be wealthy to need more protection than your existing car and property insurance policies provide. In fact, if you truly want to protect your family's personal assets, extra coverage isn't just a luxury, it's a necessity!

That's where personal umbrella coverage comes in. It's a policy that increases your liability coverage where your existing policies stop. For example, if you carry $1,000,000 liability coverage on your property policy, a $1,000,000 personal umbrella policy would provide you with a total liability limit of $2,000,000. It's called an umbrella because the one policy increases the liability coverage on all of your other policies including car, home, cottage, boat and motorcycle.

An umbrella policy also covers certain additional items that may not be included in standard policies such as libel, slander, defamation of character or invasion of rights of privacy, false arrest, liability assumed under some contracts and liability incurred as the result of volunteer work in a non-profit organization. Coverage is also extended on a worldwide basis.

A personal umbrella policy starts at less than $90 per year. Liability limits of up to $10 million can be purchased. For a competitive, no obligation insurance quote, call us at 905-521-3000 or toll-free at 1-800-263-5173.