Excess liability coverage — often called umbrella — is an important addition to your insurance portfolio. A personal excess policy provides you with additional protection for damages in which you or members of your household may be legally liable. (In our litigious society) this policy helps to protect you and your loved ones against the cost of those damages which might appear to be minor–such as a fender bender–but actually end up being costly over time. That minor accident could turn into a lawsuit for the ongoing back or neck problems of the other driver.
An Umbrella or Excess liability policy provides you with additional limits of liability over and above both your Homeowners or Auto policies allowing you the peace of mind that your assets are protected.