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Why Do I need an Umbrella Policy?

Do you have a teenager?

If you have a teenager they are texting, facebooking, tweeting, tindering - you name it They are doing it! What if they send an inappropriate message, defame someone or bully another classmate? Your Policy does not cover libel or slander. Umbrellas Do!

Do you drive a car?

“If a person drives a car, they should be buying an umbrella,” says Mike Bradley, president and co-founder of “It’s just that simple. You could be the best driver in the world—it doesn’t mean someone isn’t going to run you over.”

“Most customers buy because they are worried about their personal liability if they cause an accident. They also need to be concerned about an uninsured or underinsured driver hitting them and permanently injuring them or putting them out of work,”

“Without adequate coverage, the accident victim will only recover whatever coverage the at-fault driver secured, which may not be enough coverage to pay for all medical bills, pain and suffering and permanent loss of income.”

Do you have friends, human or canine?

Are you social and invite friends to your house and serve wine? If you have parties at your house, you’ve exposed yourself to potential liability—and not just from serving alcohol. Guests could fall or get injured on the premises. We’ve seen instances where collapsed deck collapsed during a party and seriously injured guests. Another at-home risk? Certain pets. 40% of American households own a dog and 5 million people suffer from dog bites each year. If you have a dog, you have a potential liability” that a personal umbrella can protect against, he says.

Do you rent anything?

Even if you don't own assets, a personal umbrella could still be necessary coverage. It’s not just for 1%ers,” There is a growing segment of the population who just rents an apartment and maybe doesn’t own a car, and they think they don’t need coverage. But they still have potential exposure from renting.” Have a hobby? You’re at risk. You go out and play golf, hit somebody with a golf ball, knock them out and they’re out of work for six months and in the hospital for a month. That’s going to blow through your homeowners insurance. You don’t even have to drive a car. You just have to go out and do something. It’s not just for the rich. It’s not just for people in their 50s who have accumulated assets. It’s the thing that stands between you and a potential bankruptcy!

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