Personal Liability Coverage

Provides an additional layer of personal liability protection1.

Call 1-888-498-2145

What is Umbrella Personal Liability Coverage?

Personal umbrella protection provides liability coverage above your auto and homeowners insurance and adds additional coverages2.

Coverage for any claim will be determined by the particular circumstances of the claim and the provisions, exclusions, conditions and limits of your policy.

A person would be covered by Umbrella Insurance Personal Liability Coverage in the event of an $800,000 liability judgement.

How it works

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.

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.
  • You also own a personal liability Umbrella policy with $1M coverage.

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.3

What does Umbrella 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

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

Call for a Quote: 1-888-498-2145 or contact a local agent

1Rates vary. Applicants individually underwritten. Your home or boat policy does not have to be with Liberty Mutual, but minimum liability limits are required.
2Personal umbrella coverage is also known and referenced as Personal Liability Protection
3"Residents" of your household is defined in your policy. Please consult your local agent for details.