Tag: Personal Liability

Yard Safety

Backyard entertaining has gotten more elaborate in recent years. Fire pits are helping homeowners extend the backyard season, and today’s playsets involve more than a simple set of swings and a slide. Whether backyard entertaining means spending time by the swimming pool or gathered around the grill, here are some safety tips to help keep your oasis fun and free of danger. Garden Water Features...

Should You Purchase An Umbrella Policy?

If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgments against you and your attorney’s fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That’s what a personal umbrella liability policy provides. An umbrella policy kicks in when you...

The Coverage Gap: When Furnished a Company Vehicle

A common situation many of us find ourselves in today is the personal use of a company vehicle. When you are furnished a company vehicle, you are generally provided coverage to use that vehicle through your employer’s auto insurance policy. But your employer’s policy usually does not cover you if you then borrow or rent a vehicle to be used personally. If you also own...

When On The Go…How Your Liability Insurance Follows You

Personal Liability insurance provides financial protection against legal obligations of the insured arising out of activities and conditions at the premises where the insured maintains a covered residence. The coverage also extends to personal activities of the named insured and household members anywhere in the world. You are on vacation in Europe—you’re covered; your child is on a mission trip in Mexico—you’re covered. The homeowner...