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Trivial lawsuits and bizarre settlements recently got the public riled up when a judge sued a small, family-owned dry cleaner for $65 million because they lost a pair of his pants. This just goes to show that small businesses are just as vulnerable to deceptive claims as their competitors. A study by NERA Economic Consulting showed that small companies pay for 69% of civil lawsuit liability expenses, although they produce roughly 19% of business income.

Not a small company owner or big business administrator? You can possibly still deal with great loss of assets from damages and court expenses in a liability claim. You obtain some protection from your homeowners, renters and auto insurance, but every policy has limitations and your policies could leave you exposed where you least expect it.

Umbrella policies give more, overall coverage past these specific policies. Commonly, amounts go from $1 million to $5 million and usually cover losses more then your other policies. The coverage goes with you where you go because it is not tired to your vehicle or property. Typically, it doesn’t cover business activities, even if the business is operated from your home.

Your need for personal liability insurance depends on two things: the amount of property you have and the risks that go along with your lifestyle. Do you own a pool? Do allow hunting on your ranch or farm? Do have employees like a housekeeper or nanny that work in your home? These all expose you to certain risks beyond a typical homeowners policy.

Do other factors make you a target for lawsuits? Frivolous claims can even cost you in time and emotional grief. Public knowledge of your assets, recent inheritance, land holdings, income or lottery winnings – or even mistaken assumptions about it – may bring out claims to more elaborate tactics.

Typically, umbrella liability coverage extends to your kids, your spouse and relatives that live in your household, being cared for by you or under the care of a family member living with you. That can be a big reassurance especially if you have teenagers that drive or college students living away from home.

Umbrella liability insurance can secure what you’ve saved up. Your financial advisor or insurance professional can assist you with examining your current coverages and potential risks to determine how big your umbrella should be.

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