Personal Umbrella 

Most folks have never heard of an umbrella policy, yet everyone should have one. Umbrella policies increase the limit of liability coverage on your home, auto, and recreational toys you may have policies on. Umbrella policies are very low cost when compared against the amount of liability coverage they can offer you. Another benefit of an umbrella policy: It may provide coverage that is excluded on the underlying policies you already have. Additional coverages may include:

• Expanding the auto coverage territory to other countries

• Personal Injury coverage for libel or slander claims

• Liability for some claims arising from your role as a director or officer of an organization