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Step 1: Know Your Risk Factors
Step 2: Determine What's At Risk
Step 3: Determine Whether You Have Enough Coverage
Step 4: Make Sure You Have The Right Coverage

The coverage features of your personal umbrella protection are as important as the limit. Ask your PDCM agent if your policy includes these important coverages:

  • Personal Injury is broader than Bodily Injury and includes coverage for libel, slander, defamation of character and invasion of privacy. These coverages are more critical now than ever before because of the popularity of social networking, blogging and digital media.
  • Defense Costs: What amount of coverage do you have for defense costs and is this amount of coverage out the policy limit?
  • Medical Payments to Others
  • Worldwide Coverage: Your excess liability coverage should protect you anywhere in the world, not just the US and Canada
  • Non-Profit Directors and Officers Liability: If you sit on a board of your condo association, the YMCA or any other non-profit, this coverage is important.
  • Excess Uninsured/Underinsured (UM/UIM) Motorist Protection: You buy a primary amount of UM/UIM on your automobile policy to protect you and your family from drivers who have little or no insurance. Excess UM/UIM offers an additional layer of this important coverage via your excess liability policy.
Does it all add up? Do you have the Personal Umbrella Protection you need?