Liability

If someone is injured on or because of your property, it can cause serious financial hardship if you don’t have adequate liability coverage, particularly with society’s propensity to file lawsuits and head to court.

It’s not just the wealthy who need to extend their liability protection either. Standard auto, homeowner or watercraft policies seldom have the levels you reasonably need. But that’s easy to fix with a personal umbrella insurance policy that picks up the cost of liability after the limits of your base policies have been exhausted.

A typical personal umbrella, with no unusual exposures, is quite inexpensive for $1 million in coverage. In fact, umbrella policies are one of the best insurance values today. Just ask HMP to review your exposures, as well as existing policy limits on liability, and we can help you pinpoint the right liability levels for you.