Dear Clients & Friends,

I have received several phone calls asking what happens if you are the at-fault driver to a serious accident or if someone gets hurt while at your home for a party. How do you protect yourself? A personal liability policy (umbrella policy) is designed to protect YOU and your assets from an unforeseen event.

Consider if someone slips on ice on your driveway or accidentally gets run over when you are backing out of the garage. If you have $1 million limits on both your home and auto policies, but the victim wins a $10 million judgment, you can face severe financial ruin unless you have an umbrella policy.

An umbrella policy will provide you a defense against lawsuits seeking the maximum amount of damages against you. Call me if you want to know what umbrella policy I carry and the cost of it.

Be well. John CM

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