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Personal Umbrella

We've all heard the stories: A lawsuit pops up and someone watches their assets disappear right before their eyes. And unfortunately, it seems to be happening more and more nowadays - but it doesn't have to happen to you. With a Personal Umbrella (also known as excess liability coverage) policy from Haylor, Freyer & Coon, you're protected from catastrophic loss, and your hard-earned assets and future earnings are too.

With access to many different insurance markets, Haylor can deliver a range of policy options at competitive prices. And even if you've already made the smart move of purchasing an umbrella policy, we'd be happy to review your current coverage to ensure you're getting the best possible coverage for your money.

Common Personal Catastrophic Loss Events


Man with Broken Arm Image Icon

You have a party at your home. All children were given helmets before riding their bikes on the paved areas. A child removes their helmet and is badly injured.

The child’s parents sue and are awarded $1.1 million.
Home Insurance covers: $300,000

Without Umbrella Coverage,
you pay: $800,000

Laptop Computer Image Icon

Your child hated math class as well as the teacher. They made several disparaging remarks about the teacher online and the teacher read them.

The teacher sucessfully sues the parents for $750,000.
Home Insurance covers $100,000

Without Umbrella Coverage,
you pay: $650,000

Man Hit With Car Image Icon

You turn a corner and accidentally injure a pedestrian in the crosswalk. He spends a few weeks in the hospital recovering.

Medical costs and lost wages amounts to $1.2 million.
Auto Insurance Covers: $300,000

Without Umbrella Coverage,
you pay: $900,000

The Importance of Personal Umbrella Coverage

A personal umbrella policy can cover a vast array of circumstances, but some common examples are:

  • Automobile Liability - Provides coverage when you are operating a vehicle and injure someone else or cause damage to their property
  • Uninsured/Underinsured Motorists - Protects you if you are in an accident with an at-fault driver who does not carry or does not have enough liability insurance
  • Personal Liability - Protection from damages or injuries associated when you or someone in your household injures other people or property
  • Recreational Vehicle Liability - Provides coverage when you are operting a recreational vehicle and injure someone else or cause damage to their property
  • Watercraft Liability - Covers claim damages or injuries associated when you are operating a watercraft vehicle and injure someone else or cause damage to their property

Personal Umbrella Coverage Explained


Important Note: Everything listed on this page is meant as general information and the generalized policy descriptions are designed to help you understand the different coverage types. These guidelines and descriptions do not refer to any specific contract of insurance, carrier, or terms of service. They do not modify any definitions, exclusions, or any other provisions that are directly stated in any contract of insurance. We highly recommend that you speak with your insurance advisor and review your policy fully to understand your coverage.

= Click or hover to see more information

How much personal umbrella coverage do I need?

Personal Umbrella Needs Calculator

Fill out the form below with your information to find out your need for personal umbrella coverage. Please answer all of the questions to get your estimated personal need.

This is the total market value of your home, whether or not you have a mortgage.

This is the total value of your assets other than homes - cars, boats, fine jewelry or art, etc.

This is cash amounts in any banks plus the amounts you have in cash value for stock or investments.

Your yearly annual salary before taxes.

This is years until you plan to retire. The average retirement age is 65 years old.

These are your home policy's liability limits plus your auto policy's liability limits. A personal umbrella fills in the coverage gaps that would leave you open to risk exposures.

Entertaining at your home can put you at a higher risk for claims, especially if alcohol is present.

AlwaysSometimesNever

Households that use social media are at a higher risk of libel or slander lawsuits.

AlwaysSometimesNever

High profile people are often targeted for lawsuits. Some not-for-profits may offer coverage to their directors and officers.

I am on a for-profit board as a director or officerI am on a not-for-profit board as a director or officerI am a well-known celebrity or high profile person

Your need for an umbrella policy is:

*This preliminary assessment is based on your above provided responses about common personal liability risk factors. This assessment is not meant as a substitute for advice from a qualified insurance specialist.


Want more information about purchasing this coverage?
Reach out to one of our agents by finishing these questions below!

*This field is required to submit form.

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Find out how you can benefit from Haylor's wide range of insurance products and risk management solutions today! Call or contact us to schedule a complimentary review of your current insurance portfolio!


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