A personal umbrella policy begins where damages for covered claims could exceed the underlying policy limits. It’s also a critical part of your overall risk management plan because it provides an additional layer of protection when you need it.
Umbrella policies are only for the rich. Not true! Lawsuits are common nowadays and large settlements are often needed to appease the aggrieved party.
The play date was all fun and games until your four-year-old threw a toy and…
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