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Liability Insurance
What is a personal liability umbrella policy?
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[QUOTE="Phantasm, post: 1862, member: 182"] An umbrella policy protects your assets from a number of potential problems. Take a look at these common issues that your umbrella policy might cover: [LIST] [*]Personal liability for damages, lawsuits and criminal charges [*]Protection from property damage and personal injuries, including OSHA violations [*]Replacement of lost items with comprehensive theft coverage in the event you lose something or it is stolen [*]Financial protection for any type of loss due to water damage, fire or other catastrophe [/LIST] Your umbrella policy will help protect your assets, such as your money or property. In many cases, it can also provide liability coverage for your auto and home. The limit amount for an umbrella policy varies by company, but it's usually $1 million to $5 million. Understand that you will have a deductible with an umbrella policy, too. That means if you file a claim because of damages from a car accident, for example, you pay the first few thousand dollars before the insurance company steps in to help out. An umbrella policy can be very beneficial if your assets are exposed to risk in other areas. [/QUOTE]
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What is a personal liability umbrella policy?
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