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Commercial & Personal Lines Exposures

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

Should a judgment be awarded in excess of your primary insurance policy liability limits, how do you plan to pay the amount you owe to the plaintiff? Sell your house, sell your income property, use the kid’s college fund, or have your future income reduced by weekly wage garnishments? There is a better way to cover your assets. Limits up to $10,000,000 on personal lines and up to $100,000,000 for commercial lines exposures are available for an additional premium. Umbrella Liability coverage protects you against most losses that exceed the amounts covered by your primary insurance policies.

Is this you?

We see many individuals who carry auto liability limits of 50/100/25, homeowner liability limits of $300,000, but carry liability limits of $1,000,000 or more on their income property. Don’t let yourself be caught in the trap of thinking that your major exposure is your income property, and not your home or auto, unless you can predict the future. Many people have lower liability limits on their primary insurance policies without ever thinking there is a problem, until it is too late!

Now there is a solution!

You no longer have to have ALL of your polices with one carrier. You now have a “choice” to place your auto, home and umbrella coverage with the best carriers. Shopping your policy will help to acquire you the BEST PRICING upon renewal! Finally, there is excellent protection with an A.M Best “A+” rated carrier, regardless of who insures your home and automobiles. (Minimum underlying limits required.) Fuller has various options with inexpensive solutions to help protect your assets!

It Will Occur - Do You Know When?