Personal Umbrella Insurance

Accidents can happen to anyone

Unfortunately, bad things happen from time to time. And sometimes really bad things happen – like a horrific car crash or a terrible accident on the backyard trampoline or in your swimming pool. If you have personal catastrophe liability insurance, you get additional liability coverage to help protect you.

Another outcome of a catastrophic event can be a staggering jury award as a result of a lawsuit. You’ve probably seen the headlines. It could happen to anyone, and it could mean financial ruin if you’re not properly protected.

Protection against the unexpected

Most of us have auto and home coverage, but having protection against a catastrophic liability claim is often overlooked. Would you have enough coverage if something tragic happened to you? Personal catastrophe liability insurance coverage, also known as personal umbrella insurance, gives you and your family an extra layer of protection above the limits in your auto, homeowners or boat insurance policy.

IR Insurance’s personal catastrophe liability coverage¹ offers you an additional $1 million in coverage for covered claims brought against you or your family for things like bodily injury, emotional stress, libel, slander and accidental damage to another person’s property. (Higher coverage amounts can be purchased. An IR agent can help you decide what’s right for you.) IR’s coverage can also help protect you if:

• You cause a car accident that results in injuries or property damage
• Someone is hurt on your property (someone other than you or residents of your household)
• You cause damage or are in an accident while travelling (it follows you anywhere in the world)
• Have to pay to defend a claim that’s not covered by your primary policy²

Low cost, high value insurance coverage

You might be surprised to learn how much coverage you can buy from IR for a modest cost. For most people, an extra $1 million in coverage costs less than $20 a month. (Let’s face it; you really can’t afford not to have this insurance.)

Get the protection you need

Affordable protection is just a phone call away. Get in touch with your local IR agent to add this valuable protection to your IR policy. It’s just another way IR takes great care of you.

¹ The insurance products described on this page are not offered in all states. Umbrella Liability Insurance is expected to be available in NY in 2022. Personal Catastrophe Liability continues to be offered until the Umbrella Liability coverage becomes available in NY. The policy contains the specific details of the terms, conditions, limitations and exclusions that apply. Talk to your Agent for details.

² Not all acts are covered. Certain exclusions apply. Ask your local IR agent for more information.