Personal Umbrella

Most people rely on their primary automobile and homeowners insurance to protect them from lawsuits, but primary insurance only covers you to a certain point. That’s where Cumberland’s Personal Umbrella policy comes in. Cumberland’s Personal Umbrella policy provides additional liability coverage on your homeowners and automobile policy from $1 million to $5 million.

For example:

A visitor to your home gets bit by a family dog. A jury awards the victim $500,000, an amount that exceeds your homeowners’ liability limit.

While helping you shovel snow from your driveway, your neighbor slips on ice and severely injuries his back. The jury rewards $1,500,000, an amount that exceeds your homeowners’ liability limit.

Personal Umbrella coverage is available in New Jersey, Pennsylvania, Delaware and Maryland.


Please contact your Independent Insurance Agent if you have any questions.
If you do not have an Independent Insurance Agent, click here to access our agent locator.


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