Summer often means more activity, more gatherings, and more time spent enjoying the outdoors. While it’s a great season to relax and have fun, it can also increase your exposure to liability risks.
An umbrella policy provides an additional layer of liability protection above your home and auto policies. This extra coverage can help protect your assets if a significant claim occurs.
Summer Activities That Increase Liability Risks
Certain summer activities naturally increase the potential for accidents, including:
- Hosting backyard gatherings and parties
- Pool use and water activities
- Boating and recreational vehicle use
- Teen drivers spending more time on the road
- Guests visiting or staying overnight
While these activities are part of enjoying summer, they can also create situations where liability claims may arise.
Why Consider An Umbrella Policy?
Umbrella policies can help provide protection beyond your standard policy limits. This additional coverage may help with:
- Major liability claims
- Legal defense costs
- Bodily injury claims
- Property damage claims
For many households, umbrella coverage is surprisingly affordable compared to the level of protection it provides.
When An Umbrella Policy Makes Sense
You may want to consider additional protection if you:
- Own a home
- Have significant savings or assets
- Host gatherings frequently
- Own recreational vehicles
- Have teen drivers in your household
Summer is a natural time to review these exposures, especially as activity levels increase.
Interested in learning more about umbrella coverage? Call Gannon Associates Insurance at 844-GANNONS or email us at learnmore@gannonassociates.com. Our team can help you determine if additional protection makes sense for you.
