Utica National's Personal Umbrella Program

This product is available in the following states:

Find an Agent

Enter ZIP Code:

Personal Umbrella Program masthead

In the event of an accident or personal injury, medical and legal expenses can mount quickly. Your basic automobile or homeowners policy is probably well equipped to handle most day-to-day occurrences. But in the event of a severe injury, or even a death, those expenses can be astronomical.

Utica National's Personal Umbrella Policy provides protection against catastrophic losses due to personal liability that can threaten your assets once the limits of an ordinary automobile or homeowners policy are exhausted. In today's society, lawsuits are a reality, and large liability awards are not uncommon. How can you protect yourself and your family from the threat of financial ruin? Utica National's Personal Umbrella policy can be the solution.

How Does It Protect?

After the upper limits of your present liability policies are exhausted, Utica’s Personal Umbrella policy takes over, protecting you for personal liability up to $2 million. Besides the excess personal liability insurance, Utica National's Personal Umbrella package can provide broader coverage in the following areas:

Personal injury, including bodily injury, false arrests, wrongful entry or eviction, libel, slander, and more
Defense costs
Liability coverage for non-owned vehicles
Employer's liability where required
Coverage for up to four rental units
Extends coverage to many boats and certain recreational vehicles

Should You Buy an Umbrella?

Utica National's Personal Umbrella Policy completes your insurance portfolio, adding to the protection that your primary underlying homeowners and automobile insurance provides. You can't afford not to protect yourself, your family and your assets from large liability losses. Utica National's Personal Umbrella Policy provides you with greater liability protection—and peace of mind.

PublicFooterCurrent