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Choose the Best Umbrella Policy: Case Study

In Plugging Liability Insurance Gaps with the Personal Umbrella Policy, I introduced you to many common liability exposures not covered by primary auto and homeowners polices, and the four-step process I use to do my own comparisons. In Creating and Using a Personal Umbrella Comparison Form, I shared my 5-page spreadsheet and showed how to use it to analyze the strengths and weaknesses of Progressive's newly introduced umbrella policy. In this final part of the series, I use a case study to show you how to help a client choose among the umbrella policies to best cover liability risks not covered by primary policies.