A personal umbrella policy (PUP) provides extra liability protection above and beyond what is provided by your home, auto, or personal liability and any other recreational vehicles such as ATV, boat and/or snowmobile. A PUP is written in increments of $1,000,000. It becomes an “umbrella” of extra protection over your activities in life should you get involved in a liability accident or claim.

Personal Liability Risk Scorecard

PUP’s provide two types of coverage:

  • Extra liability limits above the current “underlying” policies of auto, home, ATV, boat or
  • Liability protection outside or in addition to that provided by the “underlying” policies.

What does a PUP cover?

Liability coverage protects you for situations which you are claimed to be “at fault” causing injury to others for their:

  • Bodily injury
  • Property damage

Personal injury defined as:

  • Defamation of character
  • Libel- written form of defamation
  • Slander – verbal form of defamation
  • False arrest
  • Invasion of privacy

Contact one of our agents to learn more about PUP coverage and get peace of mind knowing you are better protected.