A personal umbrella policy is an insurance policy with high liability limits designed to provide protection over other insurance policies like a homeowners and personal auto. A personal umbrella policy can provide coverage in excess of other policies limits, and in some cases if coverage is excluded on other policies the umbrella will drop down to cover the loss.
You own a home
You have children
You own a dog or other animals
You have playground equipment
You own a motorcycle
You own a car
You own a recreational vehicle
You own a snowmobile
You own a boat or jet ski
You have significant assets
You own a swimming pool
You provide alcohol to guests
A policyholder was driving their boat. An occupant on the boat was standing on the front of boat while it was moving. The occupant fell in the water and sustained injuries as a result. The occupant has sued for limits above the watercraft liability policy.
A policyholder's friend was working on the policyholder's roof while trimming trees and fell to the ground. He was severely injured. The friend sued to cover the sustained injuries and lost wages as a result of this accident.
The policyholder's son was operating an ATV while two friends were riding on the back. While going down a dirt trail too fast they hit a stump and crashed. The friends were severely injured and sued the policyholder for limits above the recreational vehicle liability limit.
77 Mill St
Gahanna, OH 43230
(800) 499-0036
(614) 475-0036
lew@lewgriffin.com
1055 W Market St
Baltimore, OH 43105
(800) 499-0036
(614) 475-0036
lew@lewgriffin.com