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.
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.