What would you do if a legal judgment against you was greater than your primary insurance limits?

Every day you hear about high dollar judgments that have been awarded to injured parties. Accidents are bound to happen and today’s litigious society paves the way for many additional high dollar lawsuits. A legal judgment against you that exceeds your primary insurance limits, could leave you in a financial bind for the rest of your life.

For Example:

You are late for work and run a red light. As a result, your car hits a school bus and several young passengers are injured. One of the passengers is a 13-year old who suffers severe brain damage. The family of the 13-year old sues you and receives a judgment for $750,000. Your primary automobile insurance coverage limit is $300,000. Who pays the remaining $450,000? You do!

This type of judgment would involve attachments to assets like your:

  • Home
  • Paycheck
  • Savings Accounts
  • Stocks
  • Bonds
  • Mutual Funds
  • Car
  • Boat
  • Many More!

Peter Beatrice Insurance Agency’s Umbrella Policy Provides:

Up to $5 million in additional financial protection for your family over your primary limits and includes:

  • Bodily Injury
  • Property Damage
  • Personal Injury (optional coverage)

Minimum Primary Policy Limits Required:
Automobile Liability
* $250,000/500,000 – Bodily Injury and $100,000 – Property Damage

Personal Liability
* $300,000 – Comprehensive Personal Liability or Homeowners

Watercraft Liability
* $300,000 – Watercraft Liability

Rental Owner’s Liability
* $300,000 – Up to 4 locations (not to exceed 2 units per location), total of 8 units

*Requirements may vary by state and territory


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