Learn more about:
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
Types of Loss
Verdict and/or Settlement
Personal & Excess Liability (Slip & 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
Personal & Excess Liability (Premises Liability)
Construction worker doing renovations at insured’s home fell 12 feet from ladder suffering serious head and brain injury.
*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.
*Insureds 5,500,000 limit was inadequate and was held personally responsible for $1,000,000.
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.
*While insured was not found negligent, loss exhausted primary liability, going into excess layer.
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.
*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.
*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.
*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.
*Homeowners Personal Liability paid claimvs. 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.
*Plaintiffs demand for 3,400,000 exceeded
clients’ $2,000,000 primary & excess limits.
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.
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.
*Injured party was able to go back to work
with limitations, otherwise, claim would
have been higher.
Personal Liability (Slip & 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.
Personal Exess Liability
During a party at insured’s home, female suffered multiple dog bites during mauling – resulting in severe disfigurement.