Umbrella Insurance

Umbrella Insurance from Trojan Insurance Services

Although no one likes to think of the possibility of being caught in a major lawsuit, serious accidents can (and do) happen. Should you ever be sued for a major accident or potentially negligent act, your valuable assets might be in danger.

Personal umbrella insurance helps provide you with extra protection that goes beyond what your homeowners or automobile liability policies cover. Everything from your child’s college fund to your retirement savings could be at risk from legal liability claims, if you aren't fully covered for this unpredictable situation.

What does umbrella insurance cover?

An umbrella policy provides excess liability above your primary insurance limits. For example, if you carry $300,000 liability on your homeowners policy, then it would become a total of $1.3 million if you purchased a $1 million umbrella policy. An umbrella policy typically offers:

• $1 and $5 million coverage limits
• Personal injury coverage for claims such as libel, slander, defamation of character and invasion of privacy
• Defense coverage for attorney fees and other legal costs

Get a quote for Umbrella insurance today. Call 213.261.4151.