We buy insurance to protect ourselves against accidents and other situations in which we may be found liable for damages. Umbrella insurance protects against accidents whose damage exceeds the limits of your underlying insurance policies and also offers protection when we face certain legal situations. If you want to learn how an umbrella insurance policy might be helpful to you, contact the Griffith Insurance LLP team, serving those in the West Chester, PA, area.
How Umbrella Insurance Protects You When Sued
Home, auto, and other insurance policies cover damage to property and harm to people when policyholders are at fault. Each covers your liabilities up to a set limit, while umbrella insurance kicks in when your liabilities exceed the primary policy limits.
Umbrella insurance also offers protection for legal costs when someone sues you or a household member for various situations, including:
- Invasion of privacy
- Libel, slander, or defamation
- Wrongful eviction or entry
- Malicious prosecution or false imprisonment
Your individual umbrella insurance covers only personal situations and does not help when you have legal issues arising from your business or professional activities. Umbrella insurance also does not provide coverage if someone sues you due to a contract you entered into. In addition, umbrella insurance will not cover harm due to criminal or intentional behavior on your part.
Like all insurance policies, discussing your situation’s specifics and coverage with your insurance agent is best.
Working With Griffith Insurance LLP
The right insurance plan provides comfort from knowing that you and your family gain protection from specific financial harm. If you live in or near West Chester, PA, and want to discuss umbrella or other insurance, stop by or call us at (610) 431-9900 to speak with the Griffith Insurance LLP team.
