Excess Liability / Personal Umbrella Insurance
Liability lawsuits are growing more common, but standard homeowner’s and auto liability limits may not fully protect families with high incomes or substantial assets. You need umbrella coverage to safeguard what you value.
Gain peace of mind with the right coverage and limits.
It is more likely than ever that you could be sued personally, and jury awards and settlements are skyrocketing. The higher your income and the more assets you have, the greater your risk of a multi-million dollar lawsuit if someone is injured on your property or you cause an auto accident that results in injuries or fatalities.
The liability limits of your auto and homeowner’s policies probably are not enough even for a modest claim—leaving you to cover the difference. Successful individuals and families need an umbrella liability policy that provides additional coverage with higher limits.
B. F. Saul Insurance will help you assess your risk factors and risk tolerance as you make your decision on the right limit of insurance for your situation. Your personal umbrella liability insurance policy could include coverages like these, depending on your needs:
- Claims for damages caused by you, your family (living at home or at school), and your pets, whether they occur on or off premises
- Non-business-related personal injury liabilities, such as slander, libel, defamation, invasion of privacy, wrongful eviction, or false arrest
- Liabilities faced during international travel, including rental car accidents
- Legal defense costs for a covered loss
Learn why you need higher liability limits than you might expect.
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Your goals and priorities come first. With meaningful experience serving businesses, individuals, and families, we keep up on relevant exposures in order to customize the advice to you.
Proven Service Model
At B. F. Saul Insurance, the advisor that understands your risks and business priorities also negotiates and structures your program. Our direct access to the global insurance market affords you the best possible results.
We Develop Long Term Relationships
On average, we retain about 95% of our clients every year (greater than the industry average of 80-85%). We are passionate about people—yours and ours—leveraging our knowledge about you to more effectively advocate on your behalf in the market.
Speak with a knowledgeable advisor about your business or individual insurance needs.
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