Umbrella Excess Liability

No personal liability insurance policy covers every type of loss possible. That's why EMC Insurance Companies offers policyholders the added protection of a personal umbrella excess liability policy.

The policy is designed to cover situations not covered by most auto and homeowners policies. Although these situations may be unintentional on your part, they could result in a lawsuit involving:

• False arrest, false imprisonment or detention, wrongful eviction or wrongful entry
• Malicious prosecution
• Libel, slander or invasion of rights of privacy
• Liability of others that you assume by contract
• An accident in a foreign country where your present personal liability insurance does not apply
• Damage to another's personal property while in your care, custody or control (except aircraft, watercraft, farm machinery or farm equipment)
• Bodily injury or property damage resulting from the use of reasonable force to protect persons or property

Legal Expertise

You'll enjoy greater peace of mind knowing that in the event of a personal injury suit, you'll not only have the financial protection you need, but expert legal assistance as well. EMC's claim staff and carefully selected legal counsel work on your defense if you are threatened with a lawsuit involving an occurrence covered by your umbrella policy but not by your underlying primary insurance. Defense expenses, and in some cases legal expenses incurred by the claimant assessed against you, may be paid in addition to the policy limit.