Michigan Millers Mutual Insurance Company2425 East Grand River Avenue

Lansing, MI 48912800.888.1914 w www.mimillers.com

Beyond providing increased liability limits, a personal umbrella policy gives you these additional benefits:

• You are protected against claims that may not be covered by your underlying policies for homeowner’s, auto liability and watercraft liability.

• You are covered anywhere in the world.

• You are covered for defense costs and attorneys’ fees associated with claims against you that are covered by a personal umbrella policy, but not by your primary policies. These expenses are paid in addition to your policy limit.

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We’ve got you covered!

Michigan Millers Personal Umbrella Policy

For more information on a personal umbrella policy, please call the Michigan Millers agent nearest you.With a personal umbrella policy, you are

covered if the limits under your primary policy are depleted. Your assets, as well as your future earnings, are also protected.

Why do I need more insurance?

You may say - “We have auto insurance and homeowner’s coverage. We even have coverage for our boat, jet ski and snowmobiles. That should be sufficient. Why would we need an umbrella policy?”

In today’s society, lawsuits are occurring with alarming frequency. Moreover, the monetary awards can be staggering.

Your primary insurance will protect you against a minor misfortune. Beyond that, you would be responsible for paying excess amounts over and above your policy limit for which you are liable. That excess amount could be several million dollars! To be sure you are adequately protected, it is important that you carry a personal umbrella policy safeguarding you against excess liability judgments.

How much insurance is enough?

While no one can know for sure, it’s important to keep in mind that as your net worth increases, your level of protection should reflect your growth in assets.

To ensure you’re protected against the unknown, increasing liability policy limits to an appropriate amount can be as critical as reallocating invested assets.

A personal umbrella policy could protect you against excess liability judgments for loss, injury, or even death caused by negligent acts. It is designed to provide liability protection over and above the insurance policies you currently have.

• A 16-month-old drowned in a swimming pool in the backyard of a home hosting a garage sale. He exited the house through a doggy door. The case settled for $1,000,000 before a lawsuit was filed.

• A six-year-old boy suffered partial permanent impairment of one arm and hand while playing in a friend’s yard and being lifted over a fence to retrieve a ball. The parents carried an umbrella policy. The homeowner’s policy paid $300,000 and the umbrella paid the remaining $920,000.

• A teenage driver hit a parked truck, causing his passengers to suffer serious head injuries. The parents had an auto policy with a $500,000 per claim liability limit. The teenager was found negligent and ordered to pay $1.5 million to settle the injury claims. The parents carried an umbrella policy. The auto policy paid $500,000 and the umbrella paid the remaining $1 million.

How well protected are you and your family from paying a large liability loss?

Expect the unexpected. . .