A personal umbrella policy (PUP) provides extra liability protection above and beyond what is provided by your home, auto, or  any 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.