General Liability & Umbrella Insurance

A dog and its owner are standing on the side of a building.

A horse standing in the grass with trees in the background.

A man standing next to an airplane in the middle of a field.

Two people on four wheelers driving through the woods.

Liability insurance helps to shield you and your assets from expensive lawsuits and legal fees. Lawsuit avoidance and protection from liabilities that lead to court are a good idea for anyone with significant assets that could be jeopardized.

In today’s litigious society a comprehensive insurance plan is as important as managing investment risk in a portfolio – particularly for those who have a lot to lose or who prefer to live life in the driver’s seat.

Just how you “buy insurance” to hedge a portfolio to manage investment risk, managing your personal liability through insurance is a vital step towards reducing the devastating impact a lawsuit can have on your financial life. Unfortunately, even if the suit levied against you is meritless, having to address a lawsuit in court takes time and money, and it seems the more wealth you have the increased likelihood you will be sued after an accident.

The Cavalry helps clients craft tailored insurance portfolios that address all of your liability protection needs. So whether your dog bites the neighbor, a guest slips off your boat and injures themselves, or you are overheard speaking ill of a local business and cause harm to their reputation, your risk management program should include coverage for legal and defense fees, as well as any potential damages, and do so without causing undue harm to your personal holdings.

General liability & Excess liability policies for managing personal risk.

General Liability Coverage

General liability (GL) insurance provides the insured with broad protection for basic liability risks or legal liability arising out of third party bodily injury, or property damage caused by your personal actions or on personal premise owned by you.

While it does not cover every possible peril, GL is a broad coverage that can include legal and court costs, as well as claims paid in lawsuits if someone or something is harmed or damaged by you or things that belong to you.

Umbrella Liability Insurance

Excess liability insurance, or Umbrella coverage, helps safeguard against large-scale risks by providing additional protection over and above the limits of a standard GL policy. With the claims limit of a standard GL policy topping out at $1 million per occurrence, an Excess liability policy sits on top of your existing policies and offers up to $5 million in personal liability protection and legal defense expenses.

Umbrella Liability insurance protects you against catastrophic loss which could exhaust your primary liability policies. It can be placed over a general liability policy, your auto liability, and homeowners coverage too.

Coverage can help you protect your personal assets, safeguard income, and pay legal fees in the event of a covered personal injury claim or personal liability lawsuit