Personal Liability Insurance

Personal Liability Insurance

Lawsuits don’t just happen to corporations and the extremely wealthy. The possibility of being held financially accountable for a large legal settlement is very real.

Personal liability umbrella insurance offers the extra protection you need to keep your dreams on track.

What is personal liability umbrella insurance?

Think of personal liability umbrella insurance as an extra layer of protection on top of the primary liability coverage that you already get with American Family auto, home, farm/ranch, commercial, recreational vehicle and boatowners policies.

Why do you need a personal liability umbrella insurance policy?

Let’s say someone – even a trespasser – injures himself while he’s on your property. If he sues you, the legal and medical costs could exceed your primary insurance limits, leaving you responsible for the rest. That’s where personal liability umbrella insurance comes in – it picks up where your current liability coverage ends for:

  • Primary residences
  • Cars
  • Motorcycles
  • Seasonal/secondary homes
  • Most types of watercraft
  • Recreational motor vehicles
  • One- or two-family rental dwellings

What does personal liability umbrella insurance cover?

Here are some examples of additional coverage provided by our policy. These coverages are subject to some limitations:

Personal Injury Protection — Provides coverage over your primary policy if you are sued for libel, slander, humiliation, defamation of character, wrongful eviction, invasion of privacy, wrongful entry, malicious prosecution, false arrest, detention or imprisonment.

Loss Assessments — Covers your share of loss assessments up to $100,000 levied against you, as an owner or tenant of your residence, by a corporation or association of property owners.

Worldwide Protection — Provides personal liability protection – as defined by the policy – for events that occur anywhere in the world. This includes renting or borrowing cars outside the United States.

Non-owned Watercraft — Provides liability protection for bodily injury and property damage as defined by the policy.

Contact us today to learn how our personal liability insurance protects you and your dreams.


Contact us today to learn more about insuring your new venture or to review your existing policy.

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James A. Ryan Insurance Agency, LLC

1379 Washington Street,
Newton, MA 02465
(Located Next to Blue Ribbon BBQ)
Phone: (617) 969-4140
Fax: (617) 630-0063


Monday-Thursday: 9:00 am - 4:00 pm
Summer Hours for Friday: 9:00 am - 3:00 pm
Flexible Scheduling Available upon Request

We are licensed in MA

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