Umbrella INSURANCE
personal excess liability coverage
Umbrella Insurance with worldwide coverage
umbrella facts
Please reach us at baptiste.bidonde@bbrown.com if you would like to know more.
We cover our clients wherever life takes them – whether that's at home or abroad.
In most jurisdictions, with Chubb, there is no cap on legal expenses incurred for a covered loss, because these expenses are outside of the liability limit.
Chubb will cover the cost of hiring experts to help repair your reputation after a covered loss such as libel, slander, or a lawsuit.
Additional protection is available for you and your covered passengers if you are involved in an accident with an uninsured or underinsured driver.
Insurance protection for property damage and bodily injury if you are liable for someone getting injured on your property. That means if someone falls on your sidewalk, slips near your pool, or is injured by your pet.
Personal Excess insurance
Overview
Your assets and lifestyle may expose you to a great number of liability risks. Owning multiple homes, luxury vehicles or employing domestic staff are some of the factors that increase your risk and the possibility of a lawsuit.
Your excess / umbrella policy will respond when your underlying limits of liability are exhausted from policies such as homeowners and auto. When those policies are not enough to cover the high costs of an accident or lawsuit, you use your umbrella policy.
How can umbrella & excess coverage protect you?
Your Personal Insurance Team at Brown & Brown can help you identify risks and present the benefits and costs to purchase excess liability. Claim costs continue to escalate and excess liability helps protect you from high dollar liability claims from bodily/personal injury and property damage. We are here to help you create a risk management program that provides sufficient coverage.
Imagine
An umbrella policy that not only covers you if you are found at fault, but also that could cover you and your family as a pedestrian or against uninsured drivers.
Umbrella insurance
Fill out the form with any questions you have about finding the coverage that's right for you!
Hours
Monday - Friday: 7am - 7pm
Saturday: 7am - 7pm
Sunday: 7am - 7pm
UMBRELLA (PERSONAL EXCESS LIABILITY) INSURANCE
Umbrella insurance Dallas, Austin, Houston & Rancho Sante Fe
What is Umbrella Insurance?
Umbrella insurance provides additional liability coverage that can help protect assets such as your home, car and boat. It can also help cover defense costs, attorney fees and other charges associated with lawsuits. Think of umbrella insurance as taking the coverages that you currently have with your home insurance and auto insurance and expanding them to a much higher limit.
Umbrella insurance coverage helps protect you from the costs of covered claims when those costs exceed the limits of your home insurance or car insurance policies.
An umbrella policy can help cover defense costs when you are being sued for damages to someone else’s property or injuries caused to others in an accident.
What Does Umbrella Insurance Cover?
Whether it’s a serious car accident involving extensive medical bills or an incident on your property, you may quickly find yourself responsible for damages that exceed the limits of your auto, homeowners or bot policies. That’s when having an umbrella insurance policy can provide coverage that goes beyond the limits of your primary coverage.
Umbrella insurance can help provide coverage for:
- $1 million to $50 million of liability, which can help protect assets such as your home, car and boat.
- Claims like libel, slander, defamation of character and invasion of privacy.
- Legal defense costs like attorney fees and other charges associated with lawsuits.
- Liabilities that happen outside the United States.
An umbrella insurance policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection.
In today’s world, anyone can face a lawsuit, even if you’ve done nothing wrong. That’s why it’s more important than ever to consider adding an umbrella policy as an extra layer of protection for your assets – and your peace of mind.
What is Not Covered by An Umbrella Policy?
Generally, damage to your own personal property is not covered under a personal umbrella policy.
Other examples of coverage not included in a typical umbrella policy are:
- Business losses. Damage to your business property or losses related to the running of your business generally would not be covered by a personal umbrella policy. This exclusion applies even if your business is operated out of your home. Consider purchasing business insurance if you need this type of coverage.
- Intentional acts. A personal umbrella policy isn’t designed to protect you from liability connected with your own intentionally harmful behavior; for example, if you intentionally harm a visitor to your home.
Umbrella policies are typically very affordable and can be a great way to help protect yourself against the potentially devastating costs of major claims that exceed the limits of your primary home and auto policies.
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