You’ve insured your home. You’ve protected your vehicles. But is your lifestyle still exposed?
If your current liability limits stop at $300,000, that may barely cover the opening arguments of a major lawsuit—let alone a settlement.
The Silent Gap in Traditional Insurance
Most home and auto policies top out between $100K–$300K in liability protection. That might seem sufficient—until life hands you a high-stakes scenario:
A serious injury on your estate
A multi-car crash caused by your teen driver
A defamation suit after an online dispute
Anything above your base coverage? That comes out of your pocket.
And in affluent communities, where visible wealth often influences court outcomes, that exposure can be catastrophic.
Why High-Net-Worth Families Face Higher Legal Risk
Let’s be clear: lawsuits aren’t rare—they’re rising.
A straightforward car accident can spiral into seven-figure settlements when medical bills, lost income, and litigation are involved. A slip-and-fall on your property? It could become a $1M+ legal event if permanent injury occurs.
And here’s the reality:
Judges and juries consider your net worth.
The more you have, the more you stand to lose.
What Umbrella Insurance Really Provides
Umbrella—or excess liability—coverage acts like a financial firewall once your standard policies reach their limit.
It offers:
$1M to $10M+ in additional liability protection
Legal defense coverage, even for dismissed claims
Worldwide protection—from Aspen to Amalfi
Personal injury coverage (libel, slander, emotional distress)
This is not a duplication of your current insurance. It’s a strategic extension—one that separates your lifestyle from legal vulnerability.
When Umbrella Insurance Changed Everything
⟶ Multi-car accident:
Teen driver caused $1.6M in damage. Family’s auto policy paid $300K. Their umbrella policy preserved their real estate portfolio.
⟶ Slip and fall:
A guest suffered a major injury on uneven stonework. The $800K claim exceeded homeowner limits. Umbrella insurance covered the difference.
⟶ Defamation suit:
A social media post led to a lawsuit. Umbrella insurance paid the legal fees and final settlement—even though it wasn’t business-related.
3 Myths That Leave People Exposed
Myth 1: “It’s only for the ultra-wealthy.”
Truth: If you have assets, equity, or a reputation to protect, you're at risk.
Myth 2: “It’s redundant.”
Truth: It begins where your other policies end.
Myth 3: “It’s too expensive.”
Truth: Most policies start at $300–$500/year—often less than your homeowners deductible.
Is Umbrella Insurance Right for You?
You should strongly consider excess liability if:
Your net worth exceeds $500,000
You own a primary home, second property, or rental real estate
You have a teen driver
You employ household staff
You host events at your residence
You serve on a nonprofit or corporate board
You maintain a public or social media presence
Protect the Life You’ve Built
At Concierge Insurance Group, we believe peace of mind is part of luxury living. Umbrella insurance isn’t an extravagance—it’s essential.
Because when the worst-case scenario arrives, you shouldn’t have to second-guess your financial security.
