Real Life Umbrella Insurance Claims

September 10, 2018

Actual Claims on a Personal Umbrella Policy

Example Claim #1: The Babysitter 

A babysitter left a 4-month old infant unattended in a stroller. She fell out of the stroller and hit her head on the floor and suffered brain damage. The parents of the infant sued the babysitter and were awarded $11,000,000 in court.

Example Claim #2: Monoxide Poisoning 

A tenant claimed she was affected by carbon monoxide poisoning from a faulty furnace in the resident. She sued the landlord claiming permanent brain damage and demanded to be paid $750,000.

Example Claim #3: The Party

A teenager had a birthday party at his house, hosted by his parents. Without the parent’s knowledge, some guests brought alcoholic beverages to the party. One of the guests was severely injured in a car accident as a result of his alcohol consumption at the party. This case was taken to the state supreme court and it was ruled that the homeowners should have prevented the consumption of alcohol by minors on their property.

Example Claim #4: The Student and Teacher

A student strongly disliked one of her teachers as was very vocal about it. She made several disparaging and false comments about the teacher online. The teacher sued her parents for personal injury and won $750,000 in court settlements.

Example Claim #5: Sports Scholarship

A high-school student filed a $700,000 lawsuit against her former softball coach. She claimed that his “incorrect” teaching style had ruined her chances of receiving an athletic scholarship.

*These claims are based on real events. The numbers in this posted are based on a sliding scale and can vary. Similar events and claims may vary greatly in settlement costs. 

For less than $1 a day, you can put an additional layer of protections around you, your property and your assets with a personal umbrella policy. Coverage limits include liability coverage from $1 million to $5 million. In addition, you may receive a 5% auto premium discount just by having an umbrella policy. Call us today at 415-386-2283 to learn more and ensure you’re covered.

Want to see more examples of claims? Check out other real life umbrella claims examples below!

Part 1 | Part 2 | Part 3