LET US INSURE YOU FOR PERSONAL LIABILITY

Nobody wants or expects to be sued.  But if you are held personally accountable and legally liable for certain injuries or property damage, we can help you be prepared.  With Personal Umbrella Liability (PUL) insurance, you can give yourself the extra coverage you need.  Today, the courts are awarding larger amounts than ever before in personal liability cases.  The best way to be ready is with a PUL policy.  But it also helps to understand some of the reasons a person could sue.  You could be legally liable for a number of things, including:

Auto Ownership

• Car accidents with uninsured motorists coverage if you or family members are not liable

Home Ownership

• Accidental falls on your property
• Swimming pool accidents
• Home playground mishaps

Recreational Activities

• Accidents involving boat, ATV, snowmobile, jet ski or other watercraft
• Golf course injuries

Personal Activities

• Libel and slander
• Invasion of privacy

You can choose additional coverage from $1 to $5 million above the specified minimum liability limits that you presently have with your auto and homeowners policies.  Whether you're found guilty or not, your PUL policy provides payment for finding you an attorney and for legal expenses (up to your policy limits) incurred in your defense -- when it's not provided in the liability coverage of your auto and homeowners protection.  It even provides optional coverage for you and your family if the other party is uninsured or has minimal coverage.