Umbrella Insurance

Is there a person alive in Pennsylvania today who can confidently say they will never be named a defendant in an expensive liability lawsuit? If there is, we have yet to meet him. You see, this is the situation we pose to any of our clients at The Daley Insurance Agency when they emphatically declare they do not need umbrella insurance. But when we ask if they can confidently say they will never be at fault in a car accident, strike a pedestrian in a crosswalk while driving distracted, or be careless in another type of incident that harms another. How about you? What's your answer? If it's no, you need to add an umbrella insurance policy to your liability insurance policy.

How About These Possibilities for a Lawsuit?

But other situations do not involve driving. You can be sued for injuries sustained in incidents you are not even present for, such as should a guest be injured or worse in your swimming pool, or if one of your children's friends sustains a head injury while jumping on the trampoline in your backyard. And speaking of your children, should they host a party and serve alcoholic drinks or even allow friends to drink beer or liquor they bring to the party, you can be sued for negligence if anyone comes to harm on the way home.

How Umbrella Insurance Protects You

When you purchase umbrella insurance, you purchase financial protection for all your present assets and perhaps your future earnings. It does this by increasing your protection once you surpass the limits of your liability insurance which is all but a certainty should you be successfully sued for the plaintiff's ongoing medical expenses and lost wages.

You may be pleasantly surprised to know that this type of coverage is available for pennies on the dollar. The first step in considering how much umbrella insurance you need is to look at your liability insurance to determine the maximum amount it will pay. The second step is to come in and talk to one of our knowledgeable associates at The Daley Agency in Pennsylvania.