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Personal Umbrella Insurance

Personal catastrophe liability coverage, also called personal umbrella insurance, can give you an extra layer of protection in case something tragic happens. We all like to think it will never happen to us, but the reality is that it might.

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:

What Is Umbrella Insurance?

When it comes to protecting your home, your family and the life you’ve worked hard to build, it helps to have some extra coverage ‒ especially for life’s rainiest days. That’s where umbrella insurance comes in.

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.


Personal catastrophe liability coverage gives you and your family extra protection

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