28 Apr Personal Liability Insurance

Personal Liability insurance is something that is becoming more and more important as we go along. America continues to become more litigious and “sue happy” as time marches forward. Many people want to try and protect themselves from a frivolous lawsuit and help alleviate the damages that can happen to them, or personal suits from other people because of frivolous causes. Whether you have a dog that may been bitten someone, maybe you were involved in a personal injury situation, or you have some liability because of your profession , you may need to consider the gaps that are in your insurance policy. Another important factor that may come to play in this insurance is how are you covered under your Umbrella policy, if you have one?

So what insurance companies offer personal liability insurance to cover the gaps that may be found in a homeowner’s or renter’s policy. Do you own a gun? Have a dog? Work in a profession that may bring about special circumstances? Do you have recreational items that may be excluded in your current policy? There are many items to consider in these questions. The biggest concern though is finding the right solution to take care of these often overlooked items.

You want to have somebody that will be a partner with you, especially if you have assets and the need for protection. You want somebody that will understand the claims process when it comes to frivolous lawsuits and the overall probability of you entering and winning a lawsuit. Another important consideration is finding a company that will stand by your side when you have a claim personally. Many insurance companies will just allow the claim to proceed and may settle on the claim, if they are forced to cover it. That leaves you in a big hole because then you may be dropped from your policy, or worse not have coverage if the company refuses to cover you based on an exclusion in your policy.

We here at Evolution Insurance Brokers are able to check on the gaps in your coverage. We can also provide personal assistance in making sure that you are covered all the way around in your personal, work, and play parts of life. We can provide a quote within about 24 hours of receiving your application and we are pride ourselves on the service we will give. If you have any concerns about your personal liability, let us help. We can provide you with exceptional personal liability insurance. Give me a call if you would like a quote. We are happy to help.