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re: Any advice on a Personal Liability Policy vs an Umbrella?
Posted on 6/13/23 at 9:24 am to KWL85
Posted on 6/13/23 at 9:24 am to KWL85
quote:
Not my scenario. All my insurance is in same name and my agent advised both. The general liability covers some things that the umbrella doesn't.
Curious as to what the GL covers that the umbrella doesn't. Does the GL fall under the umbrella? Like I said earlier, all your policies should have their own liability so I am generally curious as to what the GL would be for? Not saying he's wrong but I am not seeing what the GL is for. I also do not know what all you are insuring.
1
Posted on 6/13/23 at 9:49 am to Belaire Buck
I think it is state specific.
In Georgia, it is one policy that covers anything personally related (personal injury and personal liability).
The only exclusions are pretty much pre-existing lawsuits, claims resulting from the act of a crime, molestation charges, and business exposure.
In Georgia, it is one policy that covers anything personally related (personal injury and personal liability).
The only exclusions are pretty much pre-existing lawsuits, claims resulting from the act of a crime, molestation charges, and business exposure.
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