Liberty Mutual

• Detailed Explanation of Personal Liability Coverage
• Coverage

Detailed Explanation of Personal Liability Coverage

Liberty Mutual does a great job of explaining how umbrella insurance can be useful to its members, who should get it, and how the coverage works. This information is extremely useful for those who are unaware of the benefits an umbrella policy provides. Umbrella Insurance from Liberty Mutual provides protection for members who have auto and homeowners insurance.

Coverage

Liberty Mutual’s Personal Umbrella Protection policy adds and extends liability coverages and can even help pay for damages/expenses for which the member (or the covered family members) may be liable for. Here is what the Liberty Mutual Liability Insurance covers:

• Additional coverage that extends over the limits of the auto, home, watercraft or recreational vehicle policy
• Coverage for all family members living in the household
• Worldwide coverage
• Coverage for rental properties
• Personal injury coverage if the policyholder is sued for the following:
  
  • Libel or slander
  • False arrest
  • Malicious prosecution
  • Violation of right of privacy
  • Wrongful eviction or wrongful entry
• Payment of defense costs, attorney fees, and other expenses associated with a lawsuit (even if the lawsuit is frivolous or groundless)

• Can’t Apply Online
• Exclusions

Can’t Apply Online

A few other personal insurance providers allow their members to apply online for an umbrella policy. Liberty Mutual asks that its members call or contact a local agent to discuss purchasing an umbrella policy.

Exclusions

Although not uncommon in the industry, there are a few exclusions with an umbrella policy from Liberty Mutual. These include malpractice lawsuits, workers compensation, business pursuits, and damage intentionally caused by any insured.