Personal Umbrella

Have you ever considered the possibility of a lawsuit that could cost you millions of dollars in damages, expenses and defense costs? Your home, automobiles, and other valuable assets that you have spent a lifetime working for could be lost as a result of a liability lawsuit. Many people assume their homeowner and automobile liability policies provide enough coverage to adequately protect their assets in such a situation. However, this is not always the case. Court awards in the millions are not uncommon when tragedies, such as severe injury or loss of life, occur. Fortunately, there is a way to insure you and your family for events such as these.

A Tomlinson & O’Neil Personal Umbrella Liability Policy is designed to provide an additional layer of personal liability protection over the limits set by your basic insurance policies. This policy also provides coverage, which may not be in your basic policies, such as personal injury coverage. Eligible individuals and families can exchange uncertainty for piece of mind with the financial security of a Tomlinson & O’Neil Personal Umbrella of $1,000,000 or $2,000,000 coverage options.


Worldwide coverage for claims brought against you and family members of your household.
Personal Injury Coverage which includes false arrest, libel, slander, invasion of privacy, defamation of character & wrongful entry or eviction.
Coverage for occasional use of non-owned recreational vehicles, such as golf carts, ATVs, or snowmobiles, regardless of the location.
Payment of defense costs, even if the lawsuit is groundless.
Reimbursement of your reasonable expenses incurred at our request.


Reduce total premium by 5% if underlying Automobile Liability is increased to $500/500/100,000 or $500,000 CSL and Homeowner Liability is increased to $500,000.
Portfolio eligibility provides added savings to your Homeowner, Automobile, or Mariner Personal Boat Policies.