Do I need an umbrella or excess liability policy?

I hope, you hope, we hope that the unthinkable never happens. 

Insurance is meant to cover sudden and incidental-often unthinkable losses.

No matter how careful we are, sudden and incidental is always hiding and waiting.  A disaster can happen at any time.

Umbrella policy or excess liability policy provides additional coverage for when the unthinkable happens.  A devastating loss can take an emotional toll on all involved, but it doesn't have to be a financial burden.  Whether you are a recent college graduate protecting future earnings or a retiree protecting life savings an umbrella policy is for you.  

For many people an umbrella or excess liability policy can be as inexpensive as $170 a year; so next time you talk to your agent ask him about umbrella or excess liability policy.