While accidents do happen, it is not uncommon for jury awards and out-of-court settlements to run into the millions. While it is difficult to predict the risk you and your family take each day, are you certain that your liability insurance offers you enough protection?

What would happen if:

• You were in a traffic accident due to a momentary distraction

• A neighbor falls on your sidewalk and is seriously injured

• The postman is bitten by your otherwise friendly dog

• Your teenage child is driving friends to a school function and is in an accident, which results in major injuries

If you are found legally responsible for injuring someone or damaging their property, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket. Standard liability insurance generally includes homeowners, renters, auto, and watercraft policies.

A personal Umbrella Liability policy provides extra coverage over your standard liability policy. It protects your personal assets by kicking in when your standard liability limits are exhausted.