personal umbrella policy denver

Expand Your Protection With A Personal Umbrella Policy In Denver

If you’ve insured your home, car, or even your boat, then you’ve got a lot of your bases covered. However, all of those policies do not completely eliminate risk from your life. Unexpected accidents occur on a daily basis everywhere, and many can lead to costly lawsuits. When that surprise incident happens to you, will your coverage be enough to protect you and your wallet? If the answer is no, you need to acquire a personal umbrella policy in Denver sooner rather than later.

Personal umbrella policies can help you supplement the policies you have in place and protect your other assets that aren’t currently covered. At Adler Insurance Group, we can develop a custom personal umbrella policy that fits perfectly with your needs and helps you avoid expensive accidents.

What Exactly Is A Personal Umbrella Policy?

A personal umbrella policy, or PUP for short, is a type of personal liability insurance that offers protection against large and potentially devastating liability claims or judgments. For instance, if a lawsuit was filed against you following an accident, a PUP may help protect you from liability in that case. This prevents you from having to pay a significant amount of money to cover the losses of your accident.

Your personal umbrella policy is designed to help protect you from all sorts of liabilities that go beyond what other types of insurance can protect. This safety net insurance plan may include coverage for:

  • Bodily Injury - May cover medical costs, loss of income, and funeral expenses of other people involved in an accident.
  • Available Personal Injury Sublimit - May cover things like false arrest, invasion of privacy, libel, slander, humiliation or defamation of another person’s character.
  • Property Damage - May cover the physical destruction of someone else’s property.
  • Landlord liability - May cover bodily injury to a tenant or property damage of a tenant who resides in your rental property covered by Allstate.

Sometimes it can help to picture your personal umbrella policy quite literally as an umbrella in the pouring rain. It offers you blanket protection across a wide range of losses to help keep you, your family, and your finances safe.

Who Benefits From A Personal Umbrella Policy?

Anyone can find tremendous value in a personal umbrella policy! With this coverage, you can reduce your risk and liability across your entire life. However, those with lifestyles that increase the risk of accidents will benefit more from a PUP than others. These people may include:

  • People with children or dogs
  • Avid travelers
  • Individuals who own recreational vehicles (e.g., boats, ATVs, snowmobiles, etc.)
  • People with a swimming pool or trampoline
  • Landlords
  • Hunters
  • Coaches
  • And many others

What We Can Do For You At Adler Insurance

If you have auto or home insurance already, we can easily add on a PUP to those policies at Adler Insurance. Our experienced insurance agents can craft a highly personalized policy that meets your needs perfectly. We’ll make sure the gaps between your other policies are covered and that this safety net includes protection for your family as well.

At Adler Insurance, our agents are on your side. We’ll make sure your policy addresses all of your needs and that you understand every little bit of your broad coverage. With our agents at your back, you’ll be thoroughly prepared for the unexpected.

Learn More About Your Options For A Personal Umbrella Policy In Denver

Lawsuits are becoming more common on a daily basis. To avoid paying substantial amounts of money through the courts, you need to be thoroughly prepared with a personal umbrella policy. There’s simply no better place to get a quality PUP than Adler Insurance Group.

Our agents will develop the ideal policy for your needs that extends coverage of your standard policies to protect you and your family in extreme accidents. We’ll help you gain peace of mind knowing you are protected from financial liability if you are ever sued after an accident. It’s always better to be safe than sorry.

Contact Adler Insurance today to speak with one of our agents about increasing your coverage with a personal umbrella policy in Denver.