Stop for a moment to reflect on everything you’ve worked hard for in your life -your home, your car, your family’s security. You may even have a recreational vehicle or a boat for family getaways. And, if you’re reading this, you probably have adequate Auto, Home and Life insurance coverage.

So chances are, you’ll never have to worry about exposure to large liability losses. But what if . . . ? In today’s society, no one is exempt from large liability losses. Let’s face it: people are growing more willing to sue every day. The bottom line is: It can happen to you. If it does, Farmers can help you get back where you belong. Even if you don’t maintain all of your current liability insurance with Farmers,* we have a coverage that’s perfect for you:

Supplement your existing coverage

The parents of a teenager gave him a car for his seventeenth birthday. The parents had an auto policy with a $500,000 per claim liability limit. One day, the teenage driver crossed over a median and collided head-on with another vehicle. Two passengers in the other car were killed, and a third was seriously injured. The 17-year old driver is found negligent and ordered to pay $1.5 million to settle the injury claims. Fortunately, the parents carried an umbrella. The auto policy paid $500,000, and the umbrella paid the remaining $1 million.

With a personal umbrella policy, you have additional coverage once the limits under your primary policy are used up.* Your assets as well as your future earnings are protected.
*subject to policy limits and exclusions.

The Farmers Personal Umbrella

Added features

Besides providing increased liability limits, a personal umbrella policy gives you these additionalbenefits: You are protected against claims that may not be covered by your underlying policies for homeowner’s, auto liability and watercraft liability, such as:

●  libel, slander or defamation of character.

● You are covered anywhere in the world.

●  You are covered for defense costs and attorney fees associated with claims against you that are covered by your personal umbrella policy, but not by your primary policies. These expenses are paid in addition to your policy limit.

Verdicts

A driver hit a 4-year-old girl who darted out between cars rendering her paraplegic. Jury Verdict: $800,000

Driver hits a garbage truck, and a garbageman riding on the back of the truck is injured while jumping off. Garbageman is not hit. Jury Verdict: $1,274,000

Homeowner owned several rental properties. At one property, a railing on the balcony gave way and guest fell to ground below. Jury Verdict: $880,000

 An uninsured motorist failed to stop at a crosswalk and struck a pedestrian, rendering him quadriplegic. Jury Verdict: $930,415

 A 5-year old boy visiting his friend’s house was knocked down and bitten by a neighbor’s golden retriever. Jury Verdict: $475,000
 

In the event of a large liability loss, would you want maximum protection or are you willing to assume some risk? 

Can you afford to be without it?

The cost for this high level of coverage is amazingly low. Your Farmers agent can give you all the details on how the Farmers Personal Umbrella policy can protect you and your family against catastrophic liability judgements.

Chances are . . .

...you’ll never be sued for more than the limits of your Automobile, Homeowners, Recreational Vehicle or Boat Liability policies.

Chances are . . .

...you’ll never be accused of defamation of character, invasion of privacy, libel, slander or other charges against which you may now lack coverage.

But what if you are?

The Farmers Personal Umbrella policy can help provide you with the liability coverage you may need. Contact us for a free Farmers Friendly Review.®  Your Farmers agent has all the details on how the Farmers Personal Umbrella policy can give you and your family extra peace of mind.

 
The question is, are you prepared?

A Farmers Personal Umbrella policy gives you the security and peace of mind you need to enjoy life’s pleasures. The Farmers Personal Umbrella can add to your security with:

■ Additional liability insurance, over the limits of your Auto, Homeowners, Recreational Vehicle or Boat Liability policy limits

■ Coverage for certain types of unexpected exposures (e.g., defamation of character, invasion of privacy, libel, slander) that might not be covered by your current policies (some exclusions apply)

■ Coverage for legal costs, including legal representation, court costs, interest on judgements and premiums on necessary bonds

Take a look at the easy-to-use chart below. It shows how the Farmers Personal Umbrella policy can give you coverage above and beyond your Auto, Homeowners, and Recreational Vehicle Liability policies.

 

The red column shows the coverage provided by standard underlying policies. The orange column shows you how the Farmers Personal Umbrella policy will increase your non-commercial liability insurance. (Please note: You must have the minimum underlying liability coverage shown before purchasing additional Umbrella coverage.)

The self-insured retention shown in the last column is the $250 ($1,000 in Texas) portion of the loss you absorb before the Farmers Personal Umbrella Liability would kick in to cover a loss not covered by any other liability policy (subject to exclusions).

Farmers...Gets you back where you belong.

Serving all of the Utah with our office location at
55 West Main Street, Lehi, UT 84043.

Anywhere in the USA call us at (877) 501-8470

Salt Lake County Call (801) 501-8470 
Utah County Call (801) 766-8476

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