Birthday Party Gone Bad

Have you ever hosted a party at your house? You could be held responsible if a guest is injured on your property or causes an auto accident after being served alcoholic beverages in your home. If a lawsuit is brought against you, your current assets and part of your future earnings – everything you’ve worked for – could be at risk. A Personal Umbrella policy may pick up excess payments when other applicable insurance is exhausted.

The following incidents are also claims affecting actual insureds. Personal Umbrella insurance picked up the excess when necessary.

  • An insured bicyclist was at fault when he collided on a hill with another bicyclist. Both were seriously injured, resulting in covered payments of $200,000.
  • An insured driver lost control of his vehicle causing two fatalities resulting in payments totaling $1,000,000.
  • A swing set broke at a birthday party seriously injuring a guest resulting in a payment of $1,000,000.
  • An insured was involved in an auto accident that paralyzed a passenger resulting in a payment of $1,000,000 which exceeded his auto insurance.

For as little as $10 a month, you can gain extended liability coverage to protect yourself and your family. An umbrella policy is a smart and cost effective way to protect your home, automobile, assets and future earnings.