What Is A Personal Umbrella Policy?

What is an umbrella policy?

Simply put, a personal umbrella policy (PUP) offers additional liability coverage beyond the limits of your existing insurance policies. Typically written in increments of $1 million, these policies help reduce your out-of-pocket expenses and protect your assets Рyour savings, home, or business Рfrom large claims and legal judgements. These policies become relevant when a property damage or physical injury claim exceeds the limit of your underlying home, auto, boat, or other policies.

Like other liability coverages, an umbrella policy provides coverage when the insured is found legally responsible for property damage or injuries to another person. A personal umbrella policy does not provide coverage for the insured’s own belongings or injuries.


What is covered by an umbrella policy?What is NOT covered by a personal umbrella policy?
  • Bodily Injury
  • Property Damage
  • Personal Injury, including Slander and Libel
  • Landlord Liability related to Rental Properties
  • Legal Fees
  • Injury to Self or Household Members
  • Personal Belongings
  • Punitive Damages
  • Business Activities – requires a Commercial Umbrella
  • Professional Services
  • Criminal or Intentional Acts


Interested in a Personal Umbrella Policy?

Contact us today for more information, or to receive a no-obligation quote!


Want to learn more? Check out this video from RLI insurance: