Executive Umbrella Claims

Do you need an Umbrella Policy?

An executive umbrella is typically between $140 and $200 for the average family.  Discounts on your home and auto can offset that cost.  Your basic home and auto policy cover you while in the United States, its territories and Canada.  If you are anywhere else, you are not covered.  An umbrella covers you all over the world.  Great thing to have before you go on spring break or that big trip this summer.

Take a look at some examples of people that needed their umbrella policy.  

Insured driver rear ended a vehicle stopped to make a left turn, forcing it into an oncoming lane as 16 motorcycles were going past. Three motorcycles were caught up into the accident, injuring four motorcyclists and two occupants of the claimant’s auto.

Claimant is alleging defamation, civil conspiracy, tortuous interference with contract, intentional infliction of emotional distress, abuse of process and invasion of privacy against the insured.

Claimant left insured’s premises after consuming alcohol, and was subsequently involved in an auto accident. Claimant sued insured on theory of host liquor liability.

Insured boat driver and named insured are facing two wrongful death claims and a bodily injury claim as the result of a boating accident. The driver of the insured’s boat whipped the victims, ages 12, 12, 9, and 7, into a raft constructed of barrels supporting a wooden deck.

Our insured’s son was driving a non-owned vehicle, which was uninsured, when he was involved in this loss. The claimant was sitting on the trunk on the outside of the vehicle while it was in motion. Claimant slipped and fell, striking her head on the pavement after suffering a severe head injury.

Injury to claimant while attending insured’s birthday party. Claimant was shot in the eye with a paintball.

Insured was walking his dog on a leash. Stopped to talk to neighbor and both insured’s dog and neighbor’s dog were barking. Both insured and neighbor pulled on the insured’s dog leash and the neighbor lost his balance, fell and sustained bodily injury. Claim filed against insured.

Insured’s wife was going over a hill and came upon an emergency vehicle. She attempted to slow down but slid and lost control of her vehicle, hitting the claimant’s vehicle, two EMTs, a firefighter and two police officers.

Insured sued for defamation, humiliation, and emotional distress as a result of insured’s daughter wrongfully accusing claimant of sexual misconduct with a child.

Two year old claimant caught his hand in insured’s boat lift and sustained amputation of the tips of his ring finger and little finger.

Claimant broke his neck and became a quadriplegic during a tug-of-war game during “Greek Week”. Our insured’s son is a member and elected officer of one of the fraternities that sponsored “Greek Week” activities.

Claimant filed suit against our insured asserting that he made false accusations regarding the claimant allegedly committing a crime, which amounted to “civil slander” and negligent infliction of harm. The accusations against the claimant related to the claimant having possession of a firearm on the insured’s premises.

Injury to claimant while attending insured’s birthday party. Claimant was shot in the eye with a paintball.

Claim filed for retaliatory discharge of claimant for making a worker’s compensation claim against the insured. Claimant is also alleging wrongful discharge, bad faith termination resulting in lost wages, embarrassment, humiliation, emotional distress and exemplary damages.