Accidents Happen. For example, while driving home on a slippery road, your 17 year old son accidentally collides with the vehicle ahead of him. Or, a guest in your home slips and falls, seriously injuring her back.

Your home and auto insurance policies will provide protection for covered incidents of bodily injury liability and property damage liability, up to the policy limit. But what if your legal liability exceeds the limits of your policy? Or someone sues you for a liability claim that’s not covered by your other policies?

That’s where the Warren Gray Agency can help.

Our Personal Umbrella Policy (PUP) works with your existing liability coverage, providing additional protection.

Additional benefits of a PUP:

• You won’t have to face court alone. If you’re sued over an incident covered under your personal umbrella policy, we will retain and pay for an attorney to represent you in court.
• Your coverage goes with you everywhere. So, you’re covered no matter where you are, including outside of the U.S.
• Helps with gaps in your coverage. Homeowners and auto policies don’t cover certain types of incidents, like those alleging slander. But a personal umbrella policy helps provide protection for this kind of incident, as well as others.
• The policy pays on your behalf. In the event of a covered claim, you won’t have to pay out of your own pocket first and submit for reimbursement.
• Reimbursement for lost wages. You will be reimbursed for the wages lost for your absence from work for a court appearance, up to the limits specified for this benefit in the policy.

Not everyone needs a personal umbrella policy. So how do you know if you do? It depends on what you need to help protect. Start by looking at your assets. What do you have to lose? A house, your savings, a boat? These things, and more, could be put at risk in a loss situation. A PUP can help you protect all of them.

Certain other factors in your life may also create a higher need for a PUP. If you have young drivers on your auto policy, for example, or if you volunteer within the community, you could bear some risk of liability.

Talk to your Warren Gray staff to learn more about what a PUP policy can do for you.

We offer a range of coverage amounts in $1 million increments. You may qualify for up to a maximum coverage amount of $5 million. Our staff can help you figure out how much coverage is right for your needs.

You’re not alone – with the Warren Gray Agency.

Choose the Warren Gray Agency and you put our business experience behind you. That means if you buy insurance from the Warren Gray Agency, you’re getting more than a good product and excellent customer service. You get a team of people who know insurance. A company that’s already figured out the best way to handle your insurance service needs. And the freedom to manage your policies your way – over the phone or in person working through our staff.

When you need your insurance to come through for you, put our experience and history on your side. Choose the Warren Gray Agency.