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Tag: Personal Umbrella Insurance

Beginner’s Guide to Personal Umbrella Insurance

Personal umbrella insurance serves an essential purpose, as it provides liability protection above and beyond the policy limits on your vehicle, home, or boat. Every insurance policy has limits, and personal umbrella insurance kicks in once you have exceeded those limits, expanding your protection if a claim or lawsuit is filed against you. Should I Have Personal Umbrella Insurance? One of the vital protections provided...

Understanding Your Personal Umbrella Policy

A personal umbrella insurance policy will provide extra coverage for you and your assets. It can kick in when other insurance coverage is not enough, but it is not a catch-all policy designed to cover everything. Personal umbrella insurance provides two basic types of coverage – liability and defense costs. What Is Personal Umbrella Coverage? An umbrella policy can cover what primary insurance excludes or...

Social Host Liability and Underage Drinking

Be a Holiday Hero Under social host liability laws, party-givers can be held responsible when minors drink. The holiday party season has officially kicked-off. Guests are ready to be dazzled and hosts are busily planning their menus and attending to every sparkling detail to make it an event to remember. Drinks will probably be served and when minors are present, things can get tricky. Under...

Tragedy During Diploma Season

It's Time to End Drunk Driving The festivities of graduation season are here — a time to celebrate the energy and optimism of the new grads. Parties marking the occasion will probably include alcohol, increasing the risk of drunk — and even "tipsy" driving. Last year, almost 10,000 people were killed in accidents involving alcohol. How will you make sure your insured is safe and...