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Personal Bond

The name given to a formal deed of debt, which, as the name suggests, is personally binding only. Most contain a warrant for execution and can thus be enforced by summary diligence.

The principal may furnish a personal bond in lieu of a surety bond to ensure compliance with all the terms and conditions of a plan of operations.

Personal excess liability policies provide you an additional level of liability protection beyond the coverage offered by your basic insurance polices.

With personal excess liability insurance, which is similar to "umbrella insurance," you can add another layer of liability coverage to protect you in the event that:

- Injuries are sustained in your home or on your property
- Accidents involve your automobile, boat, or recreational vehicle

- Judgments exceed your current coverage limits

Lawsuits are common and judgments can be substantial. The more assets you own, the more vulnerable you are. Legal costs to defend a suit may not be completely covered by basic insurance. That's why additional coverage through personal excess liability insurance can provide real financial value, as well as peace of mind.

Personal Bonds may extend to cars, boats, homes, apartments, renters, umbrellas etc.

Car Insurance

Car insurance covers you in case of an accident or theft

Homeowners Insurance

Help protect your residence, inside and out.

Umbrella

Umbrella insurance may provide coverage when your policies limits are exhausted. Umbrella insurance provides coverage for claims that may be excluded by other liability policies including claims like false arrest, libel, slander, and liability coverage on rental units you own.

Personal access liability - Umbrella insurance provides coverage beyond the limits of your other insurance policies, or for claims that may not be covered by liability policies. We provides bonds to insurrers who cover:

  • Injuries
  • Damage to property
  • Certain lawsuits
  • Personal liability situations
  • A serious auto accident where you're at fault
  • Harm caused to others by your dog*
  • A guest in your home falls
  • A neighbor's child falls while playing in your yard
  • Slander: An injurious spoken statement
  • Libel: An injurious written statement
  • False arrest, detention, or imprisonment
  • Malicious prosecution
  • Shock/mental anguish

To qualify, you must maintain certain minimum liability limits on your basic auto, home, boat, and recreational vehicle insurance policies in addition to being a bunddled package.