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Encompass® Personal Umbrella Insurance



Critical coverage that keeps going when you need it most.

There's no shortage of unforeseen circumstances that could impose a real risk to your family's assets and financial future. Encompass personal umbrella protection is critical coverage, designed to help protect you from life's unexpected events.

A personal umbrella policy from Encompass can help protect you in situations, such as:

  • Bodily injury liability
  • Landlord liability
  • Slander and libel
  • Property damage liability (damage or loss you cause to another party's property)

Protect yourself from real life risks.

Take a look at some examples of when a personal umbrella policy could provide critical personal liability coverage for you and your possessions.

You're at fault for an auto accident.

Let's say you have an auto policy that covers $500,000 in bodily injury and a $1 million personal umbrella policy. After a major at-fault auto accident, you're found liable for a $1.25 million judgment.

Your auto coverage "runs out" at $500,000—meaning you're potentially on the hook for the remainder. That's where your personal umbrella coverage steps in, picking up where your auto coverage stops and covering the remaining $750,000.

Your houseguest gets injured while visiting.

It happens all the time. Someone slips on your sidewalk or falls while walking down the stairs. Hospital and doctor visits can add up quickly, and if the injury happened on your property, you could be responsible for covering the costs.

Encompass personal umbrella protection could help protect you in the event that a guest is injured in your home. Personal umbrella protection may cover the difference between your home insurance liability limit and the actual judgment—up to your personal umbrella limit—which could be potentially millions of dollars—helping protect your family's finances and future.

Our dedicated agents can help guide you.

Our independent agents bring you personalized solutions for your unique insurance needs. Talk to an Encompass Independent Agent today about adding personal umbrella coverage to your policy or upgrading to an EncompassOne® Policy.

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Coverages and discounts are subject to terms, conditions and availability. Savings vary based on state, coverages and other factors. Coverage and products are not available in every state. Availability of discounts varies by state. Discounts are subject to terms, conditions and availability. Please see your Encompass policy for details or call an Encompass Insurance Independent agent for more information.

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