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.
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:
Plus, with personal umbrella liability insurance, your defence costs are covered from the first dollar on claims involving personal injury.
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 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
You can top up your current liability protection by up to an additional $2 million with additional personal liability insurance.