At Membassy Insurance, we don’t just ask what coverage you have.
We ask whether it actually protects you when it matters.
Standard policies have limits.
Umbrella insurance exists for what happens when those limits are exceeded.
A Personal Umbrella policy (PUP) is a specific policy designed for individual and household liability protection. It extends over existing personal auto and home policies without gracing additional business activity coverage. The additional liability coverage is above your existing:
When a claim exceeds those limits, umbrella coverage helps cover the remaining balance.
Bodily Injury Liability
Covers injuries to others where you are legally responsible.
Example:
A serious auto accident results in damages beyond your policy limits.
Property Damage Liability
Covers damage to someone else’s property.
Example:
An accident causes multi-vehicle damage or structural property loss.
Personal Liability Incidents
Coverage may extend to situations like:
Legal Defense Costs
Helps cover:
Even when claims escalate quickly.
We evaluate:
Then structure coverage to match real risk, not assumptions.
A homeowner has $500,000 in liability coverage.
A lawsuit results in $1.2 million in damages.
Without umbrella:
$700,000 becomes personal responsibility.
With umbrella coverage:
The excess is covered.
