What happens if you get sued?
Imagine this hypothetical example: You’re driving home after work, and in a split second, an accident happens. The other driver is injured and unable to work. They sue you for $1.5 million in damages—but your auto insurance only covers $500,000.
Or picture this: A guest slips on your porch, suffers a severe injury, and takes you to court. Your homeowner’s policy isn’t enough to cover the medical costs and legal fees.
In the U.S., lawsuits happen every day, and the financial consequences can be devastating. If your insurance falls short, your savings, home, and future earnings could be at risk.
How umbrella insurance can help give you additional confidence
Umbrella insurance helps provide an extra layer of liability protection beyond your home, auto, and other policies. It could help cover portions of:
✔Serious car accidents where damages exceed your auto coverage.
✔Injuries on your property that lead to costly lawsuits.
✔Defamation or personal liability claims (e.g., social media lawsuits).
✔Legal fees that could drain your finances, even if you’re not at fault.
Who should consider umbrella insurance?
- Homeowners and drivers– One accident could trigger a lawsuit.
- Parents with teenage drivers– Teen accidents are high-risk and expensive.
- High-income earners or business owners– More assets mean a bigger legal target.
- Landlords and property owners– Tenants, guests, or even trespassers could sue you.
Don’t let one mistake cost you everything
One accident. One lawsuit. One financial disaster. Without umbrella insurance, you could lose your home, your savings, and your future earnings.
Why take the risk? Protect yourself before it’s too late.
Future written communications may be in English only. Material discussed is meant for general informational purposes only and is not to be construed as a recommendation or advice. Please note that individual situations can vary therefore, the information should be relied upon only when coordinated with individual professional advice. Neither Guardian nor its subsidiaries issue umbrella insurance.
Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. USAFrance Financials Group is not an affiliate or subsidiary of Guardian.
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