A serious accident can bring a claim larger than your home or auto liability limit. Pelorus helps you arrange a personal umbrella that adds liability limits above those policies.
Your household, considered together.Who it’s for
Who is counting on you?
Families with teen drivers
Teen drivers have higher crash rates, and a parent who owns the car can be named in a resulting lawsuit.
Households with growing savings
Savings, investments and home equity can be at stake when a judgment exceeds your other policies' limits.
Owners of rental property
Tenants and their guests add liability exposure, and an umbrella can sit above a landlord policy as well.
Pool and dog owners
Pools, trampolines and dogs raise the chance of a serious injury claim at home.
Additional liability limits
Look above the primary limit.
An umbrella adds liability limits above the policies it lists. We coordinate those underlying limits with the additional protection.
Personal Umbrella
Additional limits for eligible liability claims
Under the policy
What the coverage can include.
- 01Liability claims above your home, auto and boat policy limits
- 02Legal defense costs for covered liability claims
- 03Personal-injury liability options, such as libel or slander
- 04Liability protection for insured household members
Before we talk
The questions behind the policy.
How much umbrella coverage should I consider?
One common approach starts with a limit near your net worth, then adjusts for future income and how exposed the household is. We can compare the cost of a few limits with you.
How can I add higher liability limits for my business?
A commercial umbrella adds limits above your business liability policies. We can review it alongside your personal umbrella so each part of your life has the appropriate protection.
Your next step
Make it fit the life you have.
Start with what you own and who depends on you. We’ll help you review the policies together.
Prefer email? Contact our teamUseful for a first conversation
- Your current policies or contract terms
- The locations, dates or assets involved
- What has changed since your last review
You don’t need everything ready to get in touch.