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Personal Umbrella Insurance

Personal Catastrophe Liability (Umbrella) Insurance Coverage

kig-16-personal-umbrella-insuranceWhat happens if the settlement following an accident far exceeds your insurance coverage?  Although high six-figure awards are still uncommon except in corporate lawsuits, they can happen. Personal catastrophe liability coverage (umbrella insurance coverage) is your answer.  Here at the Kocman Kunkle Insurance Group in York, PA (York County), we want to be sure you have that extra protection.

What Does it Cover?

The amount of additional coverage is most commonly one million dollars, and some insurance companies offer higher amounts.

Personal catastrophe liability coverage protects you, your covered family members and your household pets against damages to another person or their property or belongings, whether on your premises or anywhere in the world.

Why Should I Consider Catastrophe Liability (Umbrella) Coverage?

Although claims that exceed what a home or auto policy can provide are still uncommon, a single loss of this type can alter your future.  With an umbrella liability insurance policy, your risk is in the severity of a claim, not the frequency.

This is a relatively inexpensive type of coverage, so why take the risk?  The experienced representatives at the Kocman Kunkle Insurance Group here in York, PA, can take care of the details.  So contact our agency to get the protection you need today.


The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Kocman Kunkle Insurance Group before making any decisions or choosing a course of action.

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