If you caused an accident that paralyzed another driver and he sued you for $1 million, would you be able to pay? If someone were to slip and fall on your property, would your Homeowners policy offer you enough insurance protection if a lawsuit were file against you?

A personal catastrophe policy, also known as umbrella insurance, is designed to provide you added liability protection above the limits on your home, auto, and watercraft policies.

How does an Umbrella Policy work?

After your limits have been exhausted on the policy involved in a claim, the umbrella policy will kick-in.

Check out the benefits

• Extra protection if someone is hurt on your property.
• Extra protection if a covered driver causes an accident and is liable for injury to others or property damage.
• Worldwide coverage for actions of family members that may cause injury to others or property damage. (This includes, for instance, a car accident in Mexico or Canada that your auto insurance may not cover.)