Recent Real-Life Cases:
A 40 year-old window washer broke his heel in a fall after a downspout he was holding on to broke away from the house on which he was working. Although the worker was found partially responsible, the fall cost the homeowner $1.2 million.
A professional dancer suffered permanent knee damage and an end to her career when she was knocked down on a beginner’s ski slope. The case went to trial, where it cost the defendant $2.2 million.
At an end-of-school swim party, a 16 year-old dove and hit his head on the bottom of the pool. He became a quadriplegic, and the case resulted in a $1.5 million settlement against the homeowner.
To Qualify:
Eligibility varies with each company, but all companies take into consideration your driving record and any past liability losses. In order to obtain an umbrella policy, you may have to place all of your primary policies with the company writing the umbrella. Insurance companies also require that you maintain certain minimum levels of liability coverage on the primary policies.
