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Umbrella Liability Insurance - Manhattan & Westchester County, NY, Fairfield County, CT & New Jersey

While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, it’s prudent to understand that current liability insurance may not be enough in the event of a significant loss, especially in today’s litigious society.

A recent study by Jury Verdict Research indicates that 14% of plaintiff awards exceeded $1 million. For example, in New York, two teenage boys driving new high-performance vehicles were traveling at high speeds when they simultaneously struck a vehicle slicing it in half and killing both passengers. The judgment was $1.5 million. In other case in Illinois, two guests at a supervised teenage party were involved in a vehicular accident while driving home. The passenger was paralyzed from the chest down. The verdict against the homeowner: $2.5 million.

These types of verdicts are far from unusual. That’s why at A.J. Benet, we recommend that your personal insurance program be supplemented with an umbrella insurance policy. The policy  operates in concert with your basic coverages to offer more protection for risks of bodily injury and property damage, along with coverage for other risks that your standard policies may not insure. It offers an extra layer of insurance coverage over your standard liability policies. So, if you have, for instance, a $300,000 liability limit on your auto policy, and purchase a $1 million umbrella insurance policy, you would have $1.3 million in coverage.

Umbrella insurance is designed to serve all individuals vulnerable to exposures that can increase the possibility of a lawsuit. We’ll tailor a policy that works for you based on your individual exposures and financial circumstances. And, for those with significant assets, we can provide you with a high-limit umbrella policy, or even a group umbrella policy.

Get additional shelter from liability suits.

We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page.

Since 1964, A.J. Benet has been serving residents in New York City, Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan.