Form PUP-1 · Excess Liability
Umbrella.
One extra policy that sits quietly above your home and auto and adds a million dollars — or five — of liability protection. It's the least expensive serious coverage you can own, and the one that catches what headlines are made of.
What the policy carries
Excess liability, $1M–$5M
Additional protection above the limits of your underlying home and auto policies, in one-million-dollar increments.
Sits over everything
One policy extends over your home, autos, rental properties, boats, and recreational vehicles at once.
Broader coverage
Umbrellas often cover claims the underlying policies don't — libel, slander, and liability that follows you worldwide.
Defense costs
Legal defense on covered claims, typically outside the limit — the lawyers don't erode the protection.
Who needs one
Landlords, homeowners with pools or dogs, parents of teen drivers, and anyone whose net worth or future income exceeds their auto liability limit. Which is nearly everyone.