In a litigious society higher limits of liability insurance has created a greater need for Umbrella insurance. The term "Umbrella" insurance is used rather than Personal Catastrophe Liability insurance or COVERAGE U. This policy provides excess liability coverage if a judgment against you exceeds your basic liability insurance from your homeowner's or auto policies.

Coverage is provided for you, your spouse and any relatives living in your household and insured by your primary policies.

This policy also includes coverage if you are sued for false imprisonment, wrongful eviction, libel, slander, defamation of character or invasion of privacy, or if you unintentionally cause mental anguish.

Coverage DOES NOT apply to:

• farming
• intentional acts of the insured,
• aircraft,
• the business, profession or occupation of the insured,
• workers compensation, unemployment, or similar laws
• owned but uninsured motor vehicles, including watercraft
• vehicles used for racing (except sailboats)
• some organization officer and director activities.