It may sound impossible, but life is unpredictable, and unexpected things can happen anywhere at any time. With Personal Umbrella Liability, you and your family are covered for injury to others and damage to their property arising out of an unexpected occurrence worldwide (in excess of the legal liability limits of your homeowner's and auto policies). For a few extra dollars a month, you can add extra liability coverage to make sure you're covered for the unexpected.

The more things you own - home, cottage, pool, cars, boats, etc. - the more exposure you have for claims against you for injury to others and damage to their property. Personal Umbrella Liability provides added liability coverage above the limits of your homeowner's and auto policies, to protect your assets from potentially high court awards. And, if you travel out of the country, Personal Umbrella Liability provides you with worldwide protection.

You should consider Personal Umbrella coverage if you:

• Are a Professional - Doctor, dentist, director of a non-profit organization, etc
  
• Own two or more vehicles
  
• Own watercraft or pleasure craft
  
• Own ATV or Recreational vehicles
  
• Have young drivers in your house
  
• Are active in the community in volunteer work, etc.
  
• Travel out of country on a regular basis
  
• Operate a home based business