EXCESS LIABILITY (UMBRELLA) COVERAGE

Umbrella Insurance is the final piece to your complete protection puzzle

You have worked hard to attain your level of success and wealth. Cavignac & Associates wants to help you preserve the value of all of your belongings, prevent possible harm to them, and protect and reimburse their value should a catastrophic event occur. The most frequent targets of massive and often frivolous lawsuits are people who fit your same financial and demographic profile. If you have a catastrophic loss or are sued, the fact is you could lose everything you have worked so hard for.

Excess Liability Insurance, also known as Umbrella Insurance, is your best first-line defense against high-level liability claims and attorney defense costs. Your home and belongings are covered by a Homeowner’s policy and your automobiles and other vehicles covered by Auto Insurance. Yet, these policies have limits on liability payouts. Umbrella liability coverage protects your net worth and lifestyle in the event of a financially ruinous event, stepping in when the liability limits on your home or auto policies are reached. And excess liability insurance does not just protect you now; it protects your future earnings as well.

What does Umbrella Insurance cover that other insurance policies do not cover?

  • The umbrella policy covers all properties, residents, drivers and vehicles owned by you personally
  • The policy covers includes all your personal property, even out of state properties and rentals
  • All motorized vehicles and “toys” are also covered by an umbrella policy
  • Uninsured/underinsured motorist coverage can also be added, protecting you and your family from situations where another party is at fault, but lacks the resources to pay the claim

Large claims that necessitate Umbrella Insurance include:

  • Lawsuits that you need an attorney to defend you against
  • Auto accidents that result in severe injuries
  • Grievances from domestic employees
  • Non-profit board of directors’ exposure
  • Unintentional assault and battery
  • Defamation of character
  • Dog bites
  • Slander
  • Libel

You have spent a lifetime becoming a successful individual with the assets to show for it. Protect those assets with a personalized umbrella policy from Cavignac & Associates.

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