You don’t have to be a millionaire to be sued like one. Receiving a lawsuit with a million-dollar demand is common. Who will pay for attorneys to defend you against frivolous lawsuits?
Automobile accidents are probably the most common source of serious claims. This policy supplements your basic auto and home liability with extra million-dollar layers of protection. Umbrella policies provide free legal defense and money to pay if someone sues you and claims it was your fault that they were hurt or their 'stuff' was damaged.
Umbrella policies can also be endorsed to provide special million dollar protection for you and your family if you are injured by uninsured drivers.
Umbrella policies offer economical “peace of mind” for most types of negligence claims.