Who needs Personal Umbrella Liability Insurance?

You do. Accidents happen and we all need to be prepared. The standard liability limits on insurance policies range between $1,000,000 and $2,000,000, but is that enough if you are sued? Personal Umbrella Liability insurance increases the liability limits for all of your underlying personal insurance and works to protect against events that could impact a substantial portion of your future earnings and assets. Legal awards and expenses can escalate quickly and what appears to be a minor incident could develop into a major lawsuit. A Personal Umbrella policy not only pays the court awarded amount up to the limit of coverage purchased, but covers the legal costs in addition to those awards.

Personal Umbrella insurance also provides additional coverage that is typically not included on other personal insurance policies, such as coverage for libel or slander, defamation of character, wrongful eviction, etc. Therefore, If you are a volunteer director on a condominium or homeowners association or a volunteer board member for a non-profit organization, or own rental properties, Personal Umbrella insurance can offer coverage you would not otherwise have.



Standard accident benefits offered by auto insurance in Ontario has reduced dramatically over the last several years, forcing those who have been injured as a result of a vehicular accident to sue for damages to cover the costs of their medical expenses and care. A Personal Umbrella policy, offers added protection to the defendant if sued successfully by an injured party. As well, it can offer increased limits of coverage to the policy holder who carries a family protection endorsement on their own auto insurance and successfully sues another party for injuries caused in an auto accident, when that party’s own insurance is insufficient.

If you own a home, vehicle, a boat, have a pool, own a dog, like to entertain, or have firearms, you should consider the higher limits offered by a Personal Umbrella policy. If you have an annual household income in excess of $200,000, have an occupation with increased public exposure, have luxury vehicles or residences, or travel outside of Canada frequently, you may be at greater risk for a lawsuit.

Average limits for Personal Umbrella Insurance range from $1,000,000 to $5,000,000, but limits as high as $10,000,000 are available. Some carriers are able to offer this coverage in conjunction with your home insurance, but separate Personal Umbrella policies are also available. Although the annual premiums are determined by the limits chosen and the extent of the underlying coverage, it is also very affordable will offer you and your family a much greater peace of mind for the cost. We recommend that you contact your Insurance provider to best determine the right amount of coverage for you.

We at Lawrie Insurance Group are happy to discuss all of your unique insurance needs, including Personal Umbrella Liability Insurance.


You can count on us.

Don’t wait for a rainy day to find out you need the additional protection a personal umbrella liability policy can provide. Contact us today at 1-800-661-1518 or complete the form below to discuss your unique needs and learn about all of our liability insurance solutions.

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