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Personal Liability Insurance

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Personal Liability Insurance for Homeowners | Travelers

Liability insurance is about financial protection - for you and your family. The personal liability coverage within your homeowners policy provides coverage for  ...

Personal Umbrella Insurance | Liberty Mutual

Umbrella insurance provides an additional layer of personal liability protection. A single policy covers all underlying policies you own (auto, home, motorcycle, ...

What Is Personal Liability Insurance? Who Should Buy It? How Much?

What is personal liability insurance, why you need it and how much you need -- explained by someone who doesn't sell this insurance.

Personal Liability Insurance | American Family Insurance

An American Family Insurance Personal Liability Insurance Policy extends your coverage by adding a layer of protection over and above your primary limits.

GEICO | About Umbrella Insurance

Unsure what is exactly covered by an umbrella insurance policy? ... Injuries; Damage to property; Certain lawsuits; Personal liability situations listed below.

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Personal Insurance – State Farm® - State Farm Insurance

Personal insurance coverage can help protect your valuable possessions. Learn about State Farm Personal Articles and Personal Liability Umbrella policies.

Personal Liability Umbrella Policy - State Farm Insurance

Personal insurance coverage can cover exclusions and vulnerabilities in your homeowners or other policies. Learn more about State Farm personal insurance  ...

Liability insurance - Wikipedia, the free encyclopedia

Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by ...

Personal Catastrophe and Liability Coverage - Erie Insurance

Give yourself and your family an extra layer of liability protection over and above ... Erie Insurance offers MastercoverSM, personal catastrophe liability coverage, ...

Umbrella Insurance & Umbrella Liability Insurance | Farmers

Personal Umbrella Liability. Help protect all the things you've worked so hard for, ... To get a better sense of what Umbrella insurance is and how it would work, ...

Personal Excess Liability Insurance from MetLife

Personal excess liability policies provide you an additional level of asset protection that goes beyond basic insurance polices.

Allstate Personal Umbrella Policy (PUP)

What is personal umbrella insurance and who should have it? PUP coverage from Allstate kicks in when liability coverage stops. Speak to an agent today!

A Guide to Personal Liability Insurance

Unnecessary lawsuits are a common story in today’s society, with reasons ranging from a spilled coffee cup to a malfunctioning toy. However, big businesses and corporations are not the only ones that have to worry about frivolous lawsuits. Claims can be filed against individuals and small businesses, on even the most unlikely of charges. However, the stakes for smaller parties are much higher, as often their personal assets are used as recompensation.  The loss of assets can be devastating, leading to a loss of a business to a negative impact on the individual’s lifestyle.

In order to protect you and your assets, it is well advised that you consider applying for personal liability insurance. Personal liability insurance is a type of insurance that protects your assets, in the case that you are sued by a third party for negligence.

Why Choose Personal Liability Insurance?

Given the costs of insurance, individuals may be hesitant to invest in personal liability insurance. Generally, individuals consider life, health, and auto insurance before any other types of insurance. However, personal liability insurance can be a wise investment for a number of reasons. As mentioned before, lawsuits can arise from the most unlikely of reasons. Gardeners, housekeepers and nannies can be injured while at your home, placing the blame on you and your property. Children can be hurt during a play date, causing parents to angrily place the blame on the offending child’s parents. Depending on a number of factors, the individual may want to consider whether personal liability insurance is right for them.

What to Consider When Applying for Personal Liability Insurance

Without prior preparation, applying for personal liability insurance can be a daunting task. However, there are a number of tips to consider before making such a decision. Whether the individual requires personal liability insurance or not depends on two factors. First, take into account the amount of assets that you have. Are your assets worth several thousands of dollars, or exceeds into the millions? Individuals with a relatively lower amount may want to consider liability insurance, as the costs of losing their assets are much higher. On the other hand, an individual with a large amount of assets may want to safeguard their possessions as much as possible. In addition, a wealthy individual may be a greater target for lawsuits, as they are more likely to cover the costs. Depending on this answer, your need for personal liability insurance may be greater than others.

Another important factor is the type of lifestyle associated with the individual, and whether there are any risks with such as lifestyle. Does the individual live in a high-risk environment, or a relatively safe neighborhood?  An example of a high-risk environment is a hunting area, where hunting accidents are more likely to occur. However, accidents can arise out of nowhere, even in the most unlikely of situations. In order to fully protect you and your assets, it is well advised that you consider personal liability insurance.

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