Personal umbrella liability insurance
What is personal umbrella liability insurance?
Personal umbrella liability insurance provides you with an extra layer of protection in addition to the liability coverage you have through your current home and auto insurance.
And that can be important coverage if you accidentally injure someone or damage their property.
Why do I need it?
Lawsuits are a growing trend. Many people assume that their auto or home insurance will provide all the liability protection they need. But that’s not necessarily true.
Personal umbrella liability insurance provides you with protection against these risks, which are not covered under your auto, property or other insurance:
- Libel, slander or defamation of character
- Invasion of rights and privacy
- False arrest
Plus, with personal umbrella liability insurance, your defence costs are covered from the first dollar on claims involving personal injury.
If you frequently visit the USA
If you regularly travel to the USA, where the claims climate is an even greater concern than in Canada, you might consider having higher liability limits. Personal umbrella liability insurance can provided this extra protection.
If you need a higher limit
If you own a car, house, pool, trampoline, pet, boat or other recreational vehicles, your chances of being legally responsible for injuring another person may be increased.
The difference between your auto and home insurance liability limits and damages sought in a claim against you could vary by hundreds of thousands, even millions of dollars. And you would be personally responsible for the difference. Additional personal liability insurance can protect your finances by providing a higher limit.
Why choose AMA?
For more than 50 years, AMA Insurance has been there for our members when it really matters. And we’re still delivering.
More reasons to trust AMA for personal umbrella liability insurance
- Highly trained insurance specialists
- Competitive rates
- Worldwide coverage (except automobile liability, which is limited to Canada and the USA)
- Personalized care, whether you call, click or come in
- Convenient payment options
- Reliable 24-hour claims service
What coverage is available?
You can top up your current liability protection by up to an additional $2 million with additional personal liability insurance.
How can I get a quote?
Members
Contact us online
Call 1-800-615-5897
Visit one of our centres
