Call Us 1-800-829-5270 ☰ ˟
Southwest Florida Insurance
Call Us: 1-800-829-5270
  • Get A Quote ▼
    • Health
    • Homeowners
    • Auto
    • Specialty Vehicles
    • Business Insurance
    • Life Insurance
  • Our Products ▼
    • Our Products
    • Health ►⤵
      • Health
      • Individual Health
      • Medicare
      • Medical Supplements
      • Vision
      • Dental
      • Hospital Indemnification
      • Long term Care
    • Home ►⤵
      • Homeowners
      • Condo Owners Renters
      • Rental Property Insurance
      • Vacation Rentals
      • Umbrella Policy
      • Flood
    • Auto ►⤵
      • Personal Auto
      • Classic Auto
      • Motorcycle
    • Specialty Vehicles ►⤵
      • Motorhomes
      • RV's Boats
      • Jets Ski
      • Golf Carts
    • Business Insurance ►⤵
      • Liability Insurance
      • Property Insurance
      • Workers Compensation
      • Commercial Auto
    • Life ►⤵
      • Term Life Insurance
      • Permanent Life Insurance
      • Annuities
      • Disability
      • Long Term Care
  • Customer Service ▼
    • Customer Service
    • Make a Payment
    • File a Claim
    • Proof of Insurance or Insurance ID cards
    • Carrier Direct Support
  • Resources ▼
    • Refer A Friend
    • Our Carriers
    • Insurance Glossary
  • Blog ▼
    • Blog
  • About Us ▼
    • Contact Us
    • About Us
    • Our Locations
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
Health Icon

Health

We browse through a wide variety of coverages and find the right one for you.

Learn More
Auto Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Commercial Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Accidents happen….Real Life Claims….The Need for Umbrella Liability Coverage
WEDNESDAY, FEBRUARY 24, 2016

Accidents happen….Real Life Claims….The Need for Umbrella Liability Coverage

boating with kids

Accidents are why people have homeowners and auto insurance, but often claims can exceed the coverage limits of these policies. So if you aren’t protected by a Personal Umbrella Policy, you could be putting your house and financial assets at risk.

One of the best ways to understand the need for a personal umbrella is to review actual claims examples. It is very clear that an incident arising from just normal daily activities can expose all of us to the potential for a large claims law suit.

Boating fun quickly turns serious**

The claim arises out of a boating accident. The policyholders are the owners of a speedboat, which is considered a “family” boat and made available to other members of the family for recreational use.

Several family members were camping at a lake near the policyholders’ residence. One of the policyholders allowed them to use the boat during their stay. The policyholders’ 15-year-old grandson was allowed to take three other family members (all minors) out on the lake to go tubing. The 10-year-old claimant had just finished tubing. The tube and tow rope were placed in the stern of the boat and the claimant was sitting next to them.

The conditions on the lake suddenly became very choppy and windy. The claimant was ejected from the rear of the boat along with the tube and the tow rope. The tow rope wrapped around the claimant’s neck, causing a significant injury.

The occupants of the boat recovered the claimant and headed for the dock, flagging down the sheriff’s patrol boat on the way. The claimant lost consciousness and the deputy had to administer CPR several times. She was airlifted to the hospital.

The claimant suffered an injury to her neck, trachea, esophagus as well as a fracture of the second cervical vertebrae. She was on a ventilator for 96 hours and in ICU for almost one month. Later, she developed serious complications to her pancreas, colon and gall bladder and suffers from ongoing extreme hoarseness with continued troubles with her breathing.

The RLI Personal Umbrella Policy contributed $700,000 on top of the primary coverage limits of $300,000.

A real life claim as related by RLI Insurance on their website www.rlicorp.com.**

Call SWFL Insurance Agency at 239-265-9577 for a premium proposal for an Umbrella Liability Policy.

 

 

Posted 3:00 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015

  • home insurance(9)
  • medicare(5)
  • swfl insurance(5)
  • homeowners insurance(4)
  • medicare insurance(3)
  • medicare plans(3)
  • health insurance(3)
  • life insurance(2)
  • open enrollment(2)
  • catastrophe risk management(1)
  • medicare supplements(1)
  • swfl insuarance(1)
  • wind mitigation(1)
  • hurricanes(1)
  • rate increases(1)
  • expanded tax credit(1)
  • florida blue(1)
  • pet insurance(1)
  • tropical storms(1)
  • property insurance(1)
  • condominium insurance(1)
  • medicare advantage plan(1)
  • flood insurance(1)
  • insurance(1)
  • boat insurance(1)

View Mobile Version

Get In Touch!
1-800-829-5270

Contact Us
Facebook LinkedIn Twitter Google Posts Instagram Icon

Resources

  • Get A Quote
  • About
  • Refer
  • Our Carriers
  • Blog

Contact Us

Fort Myers
8595 College Parkway, Suite 160
Fort Myers, FL 33919

P: 239-489-1212
Naples
2500 Tamiami Trail North, Suite 113
Naples, FL 34103

P: 239-649-4442
Port Charlotte
3718 Tamiami Trail, Suite C
Port Charlotte, FL 33952

P: 941-624-3444
© Copyright 2021. All rights reserved. | Powered by Insurance Website Builder