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Partners Mutual
Personal Umbrella Policy places a second layer of protection of $1 million (or more if
requested) over the usual insurance coverage, assuring you of adequate protection against
financial loss due to large judgments, foreclosures, and defense costs.
It’s unfortunate, but excessive lawsuit awards are an everyday
occurrence. These awards impact people just like you. If you do not have adequate
liability insurance, you could face a serious setback.
Liability Protection
Our Personal Umbrella Policy provides you with significant liability protection, including
the following:
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Covers you for liability situations that exceed the limits of your
automobile and homeowners insurance |
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Covers you anywhere in the world |
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Reimburses legal representation where your underlying automobile or
homeowners insurance leaves off |
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| Provides coverage for perils* not normally covered in underlying coverage
including: |
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Personal injury liability |
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- libel, slander, defamation of character
- false arrest
- invasion of privacy
- wrongful eviction |
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Blanket contractual liability |
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Property rented to, used by, or in the care, custody, control of the insured |
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Liquor liability |
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Legal defense in these areas not covered by underlying insurance |
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* $250 retention
applied to these perils |
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Do You Qualify?
In order to qualify for the Partners Mutual Personal Umbrella Policy, it is necessary that
you have existing insurance as follows:
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Personal Liability- $300,000 coverage either through a Comprehensive
Personal Liability or Homeowners Policy |
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Automobile Liability - $300/$300,000 bodily injury and $100,000 property
damage |
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Watercraft Liability - $300,000 coverage if inboard motor exceeds 50 HP
or if outboard motor exceeds 25 HP. All others with smaller motors $100,000 |
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| Credit to Reduce Your Premium |
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Minimum Premium per policy is
$125 |
NOTE: This information is intended to highlight the
features of this policy. The actual policy must be reviewed for exact definitions and
exclusions of coverage. Your Partners Mutual Agent will help with this information. See
our Contact Us page for further information. |
