Protect what’s important with a Travelers Umbrella PLUS® Policy

The driver in this fictional example was involved in an at-fault accident that resulted in serious injuries to the other driver. The at-fault driver was sued, and the lawsuit resulted in a judgment as shown below:


Judgment amount:           $1,500,000

Auto liability limit:             $500,000 (Maximum payout on the policy)


Gap in coverage:             $1,000,000 (What the driver owes)


Because this judgment was greater than the driver’s auto limits and the driver still owes an additional $1 million on the judgment, his personal assets (i.e., money in the bank, investments, personal property, etc.) could be at risk. An umbrella policy with a limit of $1 million would have helped avoid the gap in coverage. A Travelers Umbrella policy is valuable protection. We can work with you to develop a customized “At Risk” worksheet to determine what level of coverage is appropriate for your needs.

Are you really protected?

Whether it’s a serious at-fault auto accident or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners, renters or boat policy. And an expensive judgment is the last thing you want to worry about. A Travelers Umbrella policy can help protect your assets and provide additional insurance protection.

Will your primary insurance policies be enough?

Auto, homeowners and other property insurance liability limits may not be adequate to cover a large court judgment. The example above shows how easy it is to find yourself without enough coverage – even if you have high liability limits on your auto or property policy.

Enjoy peace of mind

To make it easy for you to get the right level of coverage for your specific needs, Travelers offers limits ranging from $1 million to $10 million for customers meeting eligibility criteria. And, when you require legal defense for a covered claim, the policy can help cover defense costs such as attorney’s fees and other expenses.

Make sure you protect your family and your future.  Call us today for more information about the Travelers Umbrella policy.

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Dan Zeiler

708.597.5900 x134


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