Who Needs Umbrella Protection

October 20, 2012 — 1 Comment

You do.

Anyone who operates a motor vehicle or owns a home or condominium is vulnerable to legal action and large judgements.  And if you have a swimming pool or own an ATV, RV, boat, or motorcycle, your need for extra protection is even greater.

It could happen to you

You’re driving and your cell phone rings. You look down to see who’s calling just as a pedestrian darts into the crosswalk even though the light is green. You can’t stop in time, and the woman is injured.

A few months later, a judge awards the woman $1 million. Your auto insurance pays its policy limit of $500,000. And the rest is up to you.

How are you going to pay the remaining half-million dollars?

Did you know…

…accidents happen to the most responsible individuals, regardless of age or driving experience?

…juries determine damages on the severity of an accident and the personal trauma to the victim, not your ability to pay those damages?

…more than 80 percent of catastrophic accidents involve motor vehicles?

…you can lose your house and other assets because of a court judgement?

Let’s face it we live in the age of the lawsuit. If a misstep or innocent accident lands you in court, you and your family could lose the assets you’ve worked hard to build.

That’s where Personal Umbrella Protection comes in. Umbrella Protection allows you to extend your auto, homeowners, and personal insurance policies to help protect what you’ve worked hard to achieve. You may extend limits of $1 million, $3 million or even $5 million, well above your other insurance policies. And its affordable.

I would like to acknowledge Progressive, one of our Personal Umbrella carriers; much of the information in this article came from them.

Were you aware of this type of protection? Does this apply to you?


Robin Lewis


John Maxwell said, "Everything rises and falls on leadership". I buy into that and have been a student of leadership for over 25 years. I was born and raised in Jamaica and reside in South Florida with Edna, my beautiful wife of 25 years. We have one daughter and have gained a son, her husband. I am the president of Robin Lewis Insurance, a full service Independent Insurance Agency. My passion is to inspire and guide others into discovering and reaching their God-Given potential. This blog was created to support that cause. You can expect a new post every week on the topics of Leadership, Personal Development, Insurance Solutions and every now and again some Personal Thoughts. My hope is that we can encourage, strengthen and challenge each other. Your comments are encouraged and welcomed here anytime!

One response to Who Needs Umbrella Protection

  1. You have to have your insurance and dotocr change your address in their records. I got my own insurance and live on my own. The insurance has my new address but the dotocr didnt. So I had to make sure both were changed.

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