Personal liability lawsuits have become so much more common in recent years, and courts are awarding higher judgements. The trend to larger and larger court awards have dramatically increased everyone's exposure to enormous financial losses, even from seemingly minor accidents.
If you would be the target of a lawsuit, an excess liability policy, also known as umbrealla policy, would give you an additional layer of personal liability protection; beyond what is provided in your home, farm, auto, or recreational vehicle policies.