A personal umbrella policy is an insurance policy with high liability limits designed to provide protection over other insurance policies like a homeowners and personal auto. A personal umbrella policy can provide coverage in excess of other policies limits, and in some cases if coverage is excluded on other policies the umbrella will drop down to cover the loss.
A policyholder was driving their boat. An occupant on the boat was standing on the front of boat while it was moving. The occupant fell in the water and sustained injuries as a result. The occupant has sued for limits above the watercraft liability policy.
A policyholder's friend was working on the policyholder's roof while trimming trees and fell to the ground. He was severely injured. The friend sued to cover the sustained injuries and lost wages as a result of this accident.
The policyholder's son was operating an ATV while two friends were riding on the back. While going down a dirt trail too fast they hit a stump and crashed. The friends were severely injured and sued the policyholder for limits above the recreational vehicle liability limit.