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Personal Umbrella

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Personal Umbrella and Excess Liability policies give you an extra layer of protection for your personal assets. As a dentist, your two biggest liabilities are performing dentistry and driving a car.  If you have a young driver, liability can be passed on to you from an accident they caused will driving their car (referred to as vicarious liability). You have malpractice insurance to protect you professionally, it is important to have a personal umbrella in combination with proper home, auto and watercraft coverage to protect you personally. 

Dental professionals can get exclusive access to a Group Personal Excess “Umbrella” policy that will offer better coverage and better pricing than what is readily available on the market.   What does this mean for you? This means that you can get the best and most affordable protection for you and your family. Included in the personal excess policy is uninsured motorist coverage, a coverage most umbrella policy will not provide.  This type of coverage will pay you in the event you or any family members living in your household are injured by an uninsured or underinsured motorist.

JLK Group can help you recognize some of the areas where you may face an increased personal liability exposure.  Total net worth, although important, is not the best way to determine how much liability protection to carry. The bigger question is how much damage could I or my family cause?

Type of Loss

Loss Description

Verdict and/or Settlement

Personal & Excess Liability

(Slip and Fall)

Realtor walking around insured’s property prior to sale fell over raised door saddle, suffered nine foot fall down cellar staircase. Realtor suffered C6 paraplegia.

$24,600,000

Personal & Excess Liability (Premises Liability)

Construction worker doing renovations at insured’s home fell 12 feet from ladder suffering serious head and brain injury.

$11,000,000

*Plaintiff alleged dangerous work conditions as contributing factor to fall.

Watercraft & Excess Liability

Insured’s boat collided with another boat killing a passenger in the other boat. The passenger was a co-owner of a successful business and high income earner.

Personal Injury

Person doing tree trimming for client was severely injured; extensive burns and loss of limbs. Due to adverse legal venue and injuries sought settlement vs. litigation as case could exceed policy limits of $10,000,000.

$6,500,000

*Insureds 5,500,000 limit was inadequate and was held personally responsible for $1,000,000.

$ Restricted

*While insured was not found negligent, loss exhausted primary liability, going into excess layer.

Bodily Injury

While attending a family 4th of July picnic at his sister’s home, a 19 yr old male was injured by a firework that exploded close to his face. Eyesight was lost in one eye along with some facial disfigurement.

$3,000,000

*Injured party (brother) sued sister and brother-in-law for damages.

Personal Injury

(Libel/Slander/Defamation)

Non-owned Auto Liability

Attorney found guilty of making a defamatory remark about a successful real estate developer. Judge could not determine whether it was made as a business comment or a personal comment, so he split the award.

Son driving non-owned vehicle (father’s business vehicle) and hit a pedestrian. Business carrier denied coverage based on unauthorized use of vehicle.

$600,000

*300,000 paid via professional liability and $300,000 paid by personal policy. Had policy not included Personal Injury insured would have been responsible for $300,000.

$500,000
*Paid by personal auto policy

Personal Liability (Homeowners)

Insured’s son pulled over for possible DUI got into an altercation with a Police Officer who was injured.

$2,000,000

*Homeowners Personal Liability paid claim vs. Auto liabilty as son was outside of vehicle.

Automobile & Excess Liability

Insured’s car suddenly accelerated causing accident and head trauma to passenger. Passenger, single mother, suffered brain trauma and loss of some cognitive functions.

$2,000,000

*Plaintiffs demand for 3,400,000 exceeded clients’ $2,000,000 primary & excess limits.

Automobile Liability

Insured son driving home after passing Driver’s Licensing exam, ran off road. Mothers’ arm was outside the window and her hand was severed. Insured was able to file a liability claim under her own policy as she was the passenger, not the driver.

$1,000,000

Automobile & Excess Liability

Insured’s daughter was driving home after a family dinner celebrating her father’s birthday at a local restaurant. Daughter turned left in front of another vehicle. Passengers in other vehicle injured including one w/major brain trauma.

$1,200,000

*Injured party was able to go back to work with limitations, otherwise, claim would have been higher.

Personal Liability

(Slip and Fall)

Insured’s neighbor walked onto insured’s property to see renovation project. He was struck by two unsecured wooden planks that fell 25’ from project suffering cervical injuries.

$1,000,000

Personal & Excess Liability

Automobile and Excess Liability

During a party at insured’s home, female suffered multiple dog bites during mauling – resulting in severe disfigurement.

A speeding motorcyclist driving with an expired license was accidentally struck and severely injured by a young married couple out for a drive on a sunny day.

$1,700,000

Maximum Limits

Personal Liability and Excess Liability

A volunteer Little League coach was struck in the ankle by the baseball helmet of an overzealous teenage player, and suffered a torn achilles tendon. The coach sued the player's family for lost wages, medical bills, and pain and suffering totaling $600,000.

$600,000

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