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Umbrella Liability

What would you do if a legal judgment against you was greater than your primary insurance limits?
Everyday you hear about high dollar judgments that have been awarded to injured parties. Accidents are bound to happen and today's litigious society paves the way for many additional high dollar lawsuits. A legal judgment against you, that is more than your primary insurance limits, could leave you in a financial bind for the rest of your life.
Take for Instance:
You are late for work and run a red light. As a result, your car hits a school bus and several young passengers are injured. One of the passengers is a 13-year old who suffers severe brain damage.
The family of the 13-year old sues you and receives a judgment for $750,000. Your primary automobile insurance coverage limit is $300,000. who pays the remaining $450,000? You do!
This type of judgment could involve attachments to assets like your:
  • Home
  • Paycheck
  • Savings Accounts
  • Stocks
  • Bonds
  • Mutual Funds
  • Car
  • Boat
  • Many more!
Personal Umbrella policy provides:
Up to $5 million additional financial protection for your family over your primary limits includes:
  • Bodily Injury
  • Property Damage
  • Libel
  • Slander
  • Wrongful Eviction
  • Defamation of Character
Minimum Primary Limits Required:
Automobile Liability -
 
* $250,000/500,000 - Bodily Injury and
* $100,000 Property Damage
 
Personal Liability -
 
* $300,000 - Comprehensive Personal
* Liability and Homeowners
 
Farm Liability -
* $500,000 - Farmers Comprehensive Liability
 
Watercraft Liability -
* $300,000 Watercraft Liability
 
Rental Owners Liability -
* $300,000 - up to 4 locations (not to exceed
* 2 units per location, total of 8 units
* Requirements may vary by state.
 

 

To review your needs, Call us at 719-572-0900 and select option 2

    

Products and services not available in all states Kevin Campbell Insurance operates exclusively in the State of Colorado

Copyright 2006 Kevin Campbell Insurance Agency all rights reserved.