If you are creating a Proposal from an existing Risk Profile and you did an Estimated Liability Risk on the Risk Profile you will see this filled in here. Either way, if it's not there or you delete it, if it's empty you will not see it on the final Proposal.

Umbrella Liability Limit

This field is required to do an Umbrella Proposal.

Umbrella UM/UIM Limit

This field is not required and if you leave it blank, it will not display on the Umbrella Proposal.

Claim Scenarios

We prefill 3 claim scenarios for you which are below. If you would like to change them and/or remove them completely you can by simply deleting the text. If a Claim Scenario is empty, it will not display on the Umbrella Proposal.

Claim Scenario #1

If someone sues you, you typically have to pay lawyer fees and processing expenses.

These costs can quickly add up, even totaling hundreds of thousands of dollars for a single trial.

Umbrella coverage can step in to pay these fees as you defend yourself in court.

If you are found at fault, the remainder of umbrella coverage not used for defense costs may then help pay for the associated liability expense you owe.

Claim Scenario #2

Umbrella coverage can raise your limit for the liability on your home and property as well.

You have a birthday party for your son and his friend falls off the trampoline. You lend your lake house to a friend for the weekend and they get injured.

A tree in your yard falls over and crushes your neighbor’s car. You’re liable for all of these sorts of incidents.

These are typically covered under your homeowners liability insurance. However, if the cost is greater than your homeowners insurance limit, umbrella insurance can offer additional coverage.

Claim Scenario #3

If you have a teen driver on your auto policy, you’ll likely want additional umbrella coverage. You are required to hold auto liability insurance by law, but it may not always be enough in the case of a serious accident where you (or your teen driver) are found at fault.

Unfortunately, the crash risk is 3x higher for 16-19 year olds, and teens account for about 8-10% of fatal crashes every year. This creates high risk—and high liability. Adding umbrella coverage boosts your auto liability limit to protect against these increased risks.

Plus, a teen driver typically raises your insurance premium. Having an umbrella policy is a great way to get additional coverage at a lower cost than adding that line of liability on your primary auto insurance.