Claim Scenarios

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An accident occurs with multiple people and you are at fault.  Each of the four people in the other vehicle all need serious medical attention.  An at fault accident happens with another driver, who happens to be a surgeon.  She sustains injuries to one of her hands which puts her out of work.  Someone attending one of your cocktail parties has a bit too much.  They fall into the pool, but hit their head on the way down, causing head trauma.  They almost drown as everyone is distracted by the festivities.  A guest's child wanders off and finds your greenhouse, accidently consuming a dangerous chemical that looked like a drink.  Emergency response is required.  

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These are only a few examples of claims with extreme cost for legal defense and settlement, resulting in the need for a personal umbrella policy after the limits of liability were exhausted on the underlying insurance policy.  

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Regardless of how diligent and safety conscious we are, accidents happen.  An above average lifestyle comes with a greater probability of risk and truly requires above average protection.