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Umbrella Liability Policies


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Many of our clients purchase seperate umbrella policies to:

Obtain limits of liability greater than those on the standard home and auto policies.

Personal Umbrella Example Claims

Type of Loss

Loss Description

Verdict and/or Settlement

Personal & Excess Liability
(Slip and Fall)
Realtor walking around insured’s property prior to sale fell over raised door saddle, suffered nine foot fall down cellar staircase. Realtor suffered C6 paraplegia $24,600,000
Personal & Excess Liability
(Premises Liability)
Construction worker doing renovations at insured’s home fell 12 feet from ladder suffering serious head and brain injury. $11,000,000
*Plaintiff alleged dangerous work conditions as contributing factor to fall.
Watercraft & Excess Liability Insured’s boat collided with another boat killing a passenger in
the other boat. The passenger was a co-owner of a successful
business and high income earner.
$6,500,000
*Insureds 5,500,000 limit was inadequate and was held personally responsible for $1,000,000.
Personal Injury Person doing tree trimming for client was severely injured; extensive burns and loss of limbs. Due to adverse legal venue and injuries sought settlement vs. litigation as case could exceed policy limits of $10,000,000. $ Restricted
*While insured was not found negligent, loss exhausted primary liability, going into excess layer.
Bodily Injury While attending a family 4th of July picnic at his sister’s home, a 19 yr old male was injured by a firework that exploded close to his face. Eyesight was lost in one eye along with some facial disfigurement. $3,000,000
*Injured party (brother) sued sister and
brother-in-law for damages.
Personal Injury
(Libel / Slander /
Defamation)
Attorney found guilty of making a defamatory remark about a successful real estate developer. Judge could not determine whether it was made as a business comment or a personal comment, so he split the award. $600,000
*300,000 paid via professional liability and $300,000 paid by personal policy. Had policy not included Personal Injury insured would have been responsible for $300,000.
Non-owned Auto Liability Son driving non-owned vehicle (father’s business vehicle) and hit a pedestrian. Business carrier denied coverage based on unauthorized use of vehicle. $500,000
*Paid by personal auto policy
Personal Liability
(Homeowners)
Insured’s son pulled over for possible DUI got into an altercation with a Police Officer who was injured. $2,000,000
*Homeowners Personal Liability paid claim
vs. Auto liabilty as son was outside of vehicle.
Automobile & Excess Liability Insured’s car suddenly accelerated causing accident and head trauma to passenger. Passenger, single mother, suffered brain trauma and loss of some cognitive functions. $2,000,000
*Plaintiffs demand for 3,400,000 exceeded
clients’ $2,000,000 primary & excess limits.
Automobile Liability Insured son driving home after passing Driver’s Licensing exam, ran off road. Mothers’ arm was outside the window and her hand was severed. Insured was able to file a liability claim under her own policy as she was the passenger, not the driver. $1,000,000
Automobile & Excess Liability Insured’s daughter was driving home after a family dinner celebrating her father’s birthday at a local restaurant. Daughter turned left in front of another vehicle. Passengers in other vehicle injured including one w/major brain trauma. $1,200,000
*Injured party was able to go back to work
with limitations, otherwise, claim would
have been higher.
Personal Liability
(Slip and Fall)
Insured’s neighbor walked onto insured’s property to see renovation project. He was struck by two unsecured wooden planks that fell 25’ from project suffering cervical injuries. $1,000,000
Personal & Excess Liability During a party at insured’s home, female suffered multiple dog bites during mauling – resulting in severe disfigurement. $1,700,000

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