把伞放在手边
到2021年，美国将成为.S. 有24个记录.500万百万富翁，从20万增加到500万.去年是200万. An increase in personal wealth may bring greater financial flexibility; it may also bring greater liability. 拥有高净值的个人, or those who are perceived to have high net worth, 可能更容易被起诉. 人身伤害索赔可能要花费数百万美元.1
Umbrella liability insurance is designed to put an extra layer of protection between your assets and a potential lawsuit. It provides coverage over and above existing automobile and homeowners insurance limits.
例如, imagine your teenage son borrows your car and gets in an accident, 严重伤害了另一名司机. The accident results in a lawsuit and a $1 million judgment against you. If your car insurance policy has a liability limit of $500,000, that much should be covered. If you have additional umbrella liability coverage, your policy can be designed to kick in and cover the rest. 没有保护伞, you may be responsible for paying out of pocket for the other $500,000, 这可能意味着清算资产, 失去房子的资产净值, 甚至被扣工资.
Umbrella liability insurance is usually sold in increments of $1 million and generally costs just a few hundred dollars a year. 它通常涵盖广泛的场景, 包括身体伤害, property damage caused by you or a member of your household, 甚至是诽谤, 诽谤, 错误逮捕, 诽谤人格.
Deciding whether liability coverage is right for you may be a question of lifestyle. 你可以考虑购买一份AG捕鱼王在线app下载，如果你:
- Entertain frequently and serve your guests alcohol
- 在家里做生意
- 接受可能被发表的采访
- 开很多英里的车或者有十几岁的司机
- Live in a manner that gives the appearance of wealth
- Have a dog, especially if the breed is known to be aggressive
- Own jet skis, a boat, motorcycles, or snowmobiles
Even if you don’t yet have a tent in the millionaire camp, you may want to consider the benefits of liability insurance. You don’t have to be a millionaire to be sued for a million dollars. Anyone who is carefully building a financial portfolio may want to limit their exposure to risk. Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.
这是对覆盖率的简化描述. All statements made are subject to the provisions, 除外责任, 条件, 以及适用AG捕鱼王在线app下载政策的限制. Please refer to actual policy documents for complete details regarding coverage.
谁得到了什么?
In 2021, there were over 74 million adults in the United States whose net worth was in the $100,000 to $1 million range (excluding primary residence). Less than 25 million adults had a net worth of $1 million or more.1
1. 瑞士信贷(credit suisse).com, 2022
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