Founded in 1922, State Farm’s mission is to help its members manage the risks of their everyday lives, recover from the unexpected, and realize their dreams. State Farm’s Personal Umbrella Liability policy is to help provide additional coverage to individuals and businesses.

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The Good

  • Personal Liability Umbrella Policy
  • Business and Professional Liability Insurance

Personal Liability Umbrella Policy

State Farm knows that those who are involved in a major insurance claim or lawsuit often experience financial loss. While most people have auto and home insurance, it’s not always enough. A State Farm Personal Liability Umbrella Policy (PLUP) can provide State Farm members with the additional liability coverage they need.

State Farm boasts that it provides additional liability protection at a reasonable price, protection against personal claims such as defamation of character, libel or slander, and minimum coverage of $1 million (can be increased by $1 million increments).

Business and Professional Liability Insurance

Professional Liability Insurance can help business owners pay for the defense costs and claims of negligence, error or omission. State Farm offers Professional Liability policies that were specifically designed for:

  • Architects and engineers
  • Accountants and related businesses
  • Dentists

State Farm also offers a Business Owner Policy that offers property, general liability, and professional liability protection in a package. Listed below are businesses that can benefit from this package:

  • Barber shops
  • Beauty salons
  • Day spas
  • Clergy counseling
  • Retail pharmacists
  • Residential community associations
  • Veterinarians

Additionally, State Farm offers the following types of liability insurance:

  • Errors and Omissions Liability
  • Employment Practices Liability Insurance (EPLI)
  • Not-for-Profit Organization Liability with EPLI
  • Condo and Homeowners Association Directors and Officers Liability with EPLI


The Bad

  • Lack of Information

Lack of Information

While State Farm boasts having liability protection at a reasonable price, there is little information about the policies. Also, there is no information about any requirements that a member must meet before applying for an umbrella policy. The site merely states that those interested will need to contact a State Farm agent.

The Bottom Line

While State Farm does offer both personal liability insurance, as well as business and professional liability insurance, there is not much information beyond that. It would be helpful for consumers to see any requirements, coverage details, and any limits.

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