Personal Liability Coverage
A personal umbrella policy can protect you and your assets.
Here's an example of how Umbrella Coverage works:
- You own a Liberty Mutual Auto policy with $250,000 per person liability coverage and total of $500,000 per accident.
- You also own a personal liability Umbrella policy with $1M coverage.
- Your auto insurance policy would cover the first $250,000
- Your Umbrella policy pays the rest of $800,000-$250,000 = $550,000
- Total coverage available is the auto policy coverage ($250,000) plus Umbrella ($1M) or a total of $1.25M.
- Additional liability coverage over the limits of the auto, home, watercraft or recreational vehicle policy
- Coverage for all family members living in your household3
- Worldwide coverage
- Coverage on rental properties you own
- Personal injury coverage if policy holder is sued for:
- Libel or slander
- False arrest
- Malicious prosecution
- Violation of right of privacy
- Wrongful eviction or wrongful entry
- Payment of defense costs, attorney fees and other expenses associated with a lawsuit, even if the lawsuit is frivolous or groundless (defense cost coverage is in addition to policy limits)
- Malpractice Lawsuits
- Workers Compensation
- Business pursuits
- Damage intentionally caused by any insured
2 These descriptions are meant to provide general guidance only, are necessarily brief and are subject to policy provisions, limits, deductibles, exclusions and conditions that can only be expressed in the policy itself. In the event of a conflict, the terms and conditions of the policy prevail. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult one of our licensed agents.
3 "Residents" of your household is defined in your policy. Please consult your local agent for details.
Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.