Your homeowners insurance and auto insurance provide liability coverage, but only up to a certain point – not enough to protect your assets if you are found responsible for a serious injury to someone or damage to their expensive property. Data from Jury Verdict Research shows that 14% of personal injury awards exceeded $1 million and 4% exceeded $5 million in 2010. In some cases, verdicts have come in at $10, $20 and even close to $50 million.

At Evans, Pires & Leonard, we’re aware of the increased vulnerability our private clients face, which is why we offer high-value umbrella insurance—coverage that expands your protection against liability claims. This excess umbrella coverage can be used to increase your limits of protection from underlying policies, including homeowners insurance, car insurance, yacht insurance and even RV insurance and mobile home insurance, for those with such extended risks.

We’ll help you find a personal umbrella insurance policy that fills in gaps that could be left by your other policies—for example, in cases where certain liability risks are excluded from coverage under a homeowners policy. What’s more, the cost per million dollars in coverage is relatively inexpensive – it can amount to a few hundred dollars.