Policies

The personal umbrella policy provides protection against liability losses that are in excess of those covered by underlying liability (personal, farm or automobile) policy limits. Minimum underlying limits must be maintained and some losses may be subject to a self-insured retention.

The basic policy provides:

Worldwide protection for personal liability.

Excess coverage for each occurrence in excess of the primary insurance.

Coverage for all types of personal liability insurance:

· Residence

· Farm

· Automobile

· Watercraft

· Employer's Liability

Coverage for such alleged acts as libel, slander, false arrest and many other types of personal injury.

Important liability coverage for damage to property rented, used or in the care of an insured person.

Insureds

Company

Umbrella