top of page
MJ Web Umbrella Banner.jpg



You've Been Sued for $1 Million – Now What?

Personal Umbrella Insurance in Honeoye Falls, NY, Naples, NY, and Rushville, NY

Having the added protection of an umbrella policy is coverage no one should go without. Why? Although the liability insurance that you've purchased on your Auto Insurance or Homeowner Insurance policies protects you when being sued by others injured in your home, or as a result of a vehicle accident, the limits on those policies only go so far. Unfortunately, many people are not aware that the liability in a homeowners or auto policy is often not enough to cover the cost of medical bills, legal fees, and more if you're being sued. Read our Blog article that may help you understand who needs Umbrella Insurance.


Here are a few scenarios that can occur. They do not happen that often, but when they do, the results can be devastating. If you are sued and you lose in court, you could be forced into bankruptcy.


  • Swimming Pool Accident – It only takes a minute for a baby, toddler, or child to accidentally fall into a swimming pool. A visiting neighbor's child sneaks out the back door, reaches for a floating pool toy, and falls in...and the unthinkable happens. Although you cannot place a price on a human life, the child's parents sue you for $5,000,000.

  • Kitchen Accident – You've invited friends and neighbors to your home for dinner. A large pot of boiling water accidentally spills and causes 3rd degree burns on one of your guests. You are taken to court and are sued for $900,000 for life-altering scaring left from the accident. 

  • A Party Incident – Your teenager has friends over for a party...while you were not at home. One of your guests brings alcohol and ends up getting alcohol poisoning, which leaves him with long-term disabilities. The teen's parents sue you for $3,000,000. 


To protect you and your family from a lawsuit in which you are found liable for significant amounts of money, you'll need higher levels of liability insurance. The Umbrella Insurance professionals at Mitchell-Joseph Insurance in Honeoye Falls, NY, Naples, NY, and Rushville, NY, can provide all the information you need to help you select the right amount of coverage so that your assets are protected. CONTACT US to set up an appointment and receive a quote for a personal Umbrella Insurance policy.


An Umbrella Insurance policy is designed to help prevent financial ruin due to a catastrophic event for which you’re financially responsible. Often, bankruptcy is the only solution. That's why purchasing an Umbrella Insurance policy from Mitchell-Joseph Insurance Agency is a smart choice. 

Businessmen with Umbrellas
bottom of page