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Personal Liability Coverage

A personal umbrella policy can protect you and your assets.

Personal umbrella protection provides liability coverage above your auto and homeowners insurance and adds additional coverages1. Coverage for any claim will be determined by the particular circumstances of the claim and the provisions, exclusions, conditions and limits of your policy.

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.
personal liability coverage chart
Let's say you or an insured driver on your policy is found liable for an auto accident with serious injury and is liable for $800,000 (one person injured).
  • 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.
Now, let's say you faced the liability above without the Umbrella coverage, but with home equity and savings above and beyond your auto liability coverage. A court could order you to personally pay the uninsured amount.2

+What does Liberty Mutual Liability Insurance Cover?-What does Liberty Mutual Liability Insurance Cover?What does Liberty Mutual Liability Insurance Cover?
  • 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)
+Typical Exclusions-Typical ExclusionsTypical Exclusions
Like most insurance policies, a personal umbrella policy has certain exclusions, which include but are not limited to:
  • Malpractice Lawsuits
  • Workers Compensation
  • Business pursuits
  • Damage intentionally caused by any insured
Please contact us directly to discuss or purchase Umbrella Insurance.
Call for a Quote 1-800-837-5254 or Contact a Local Agent.
1 Personal umbrella coverage is also known and referenced as Personal Liability Protection

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.