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  • Dan Frankel

Personal Excess Liability Insurance (aka "Umbrella")

Updated: May 16, 2022

This is coverage that protects you from the unthinkable—being sued for an unfortunate mishap. Often referred to as Personal Umbrella Liability, there was a time when this type of coverage was considered necessary only for the highly affluent. Unfortunately, lawsuits are all too common and aren’t restricted "just' to the wealthy, so personal excess liability policies are becoming increasingly necessary.

When evaluating your insurance, one of the first things we’ll do is ask you if your liability insurance is sufficient. How is it correlated to your Obvious Assets, net worth, or lifestyle?

Coverage designed to fill in the gaps

While most homeowners and automobile policies provide basic coverage, personal excess liability increases your protection and also fills in the gaps between liability, home and auto coverage. It provides protection whether you’re at home, away, or in your car; it extends an umbrella of liability coverage over you for any (non-business) activities you may engage in.

This type of insurance can vary widely from company to company. Acacia Insurance can help assess the limits of your liability coverage in your home and auto policies and help determine the appropriate liability protection for your exposure.

Ready to learn more?

Acacia Insurance has been helping to make the unexpected uneventful since 1988, and we look forward to working with you. Please contact us with questions and for additional information.

The insurance policy, not this Web site, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions, and limitations that are not detailed in this Web site. Coverages may differ by state.

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