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Significant liability claims are all too common in our society. Catastrophic losses, including the defense and compensation associated with liability based law suits, are becoming more common place in mainstream America. Lawsuits seem almost fashionable and court awards are high enough to ruin millionaires. Fortunately, you can protect yourself against catastrophic loss by purchasing a Personal Umbrella insurance policy.

Frequently Asked Questions:

Q:  What does a typical umbrella policy cover?

A:   Most personal umbrella policies extend the limits of liability of several underlying policies including Auto, Home, Rental, and Watercraft policies.

Q:   Does my umbrella just increase my coverage for liability?

A:   Typically, yes. This is the main purpose of this type of coverage.

Q:   Is there a deductible involved?

A:   Usually, no.

But some policies can have deductibles or SIR's (self insured retention) of as much as $10,000 per claim. For a free quote, please contact Hendersons, Inc. and speak to an agent.