A personal umbrella policy is an extra layer of protection, covering liability and defense costs that your primary insurance policies do not encompass. It provides coverage for situations in which you may be held responsible for bodily injury, property damage, or personal injury, going beyond the limits of your primary policies.

Understanding Umbrella Insurance in Pennsylvania

In Pennsylvania, umbrella insurance typically covers various types of claims for individuals covered under their primary insurance policies. These claims may include personal injury, advertising injury, property damage liability, slander, libel, defamation of character, false arrest, detention or imprisonment, malicious prosecution, and mental anguish. Umbrella insurance can offer expanded coverage, even extending protection worldwide and covering certain circumstances not included in the underlying policies, such as claims for libel, slander, and false imprisonment.