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Woman and Man sitting on sofa with injury

Thinking Ahead for the Unthinkable

Like most prudent adults, we all try to live fairly responsibly, right? We’re careful with our pets, mindful of our guests, and don’t participate in anything too outlandish; so it would stand to reason that we might not think we need to invest in any additional insurance.  But the truth is that accidents can and do happen, and we should be in a position to indemnify those who we inadvertently hurt. Also, we mustn’t turn a blind eye to the litigious nature of our society. More people today are filing lawsuits than ever before; and in many cases, they are winning.

Insurance, by its very nature, is understandably a difficult proposition for many consumers to fully appreciate. After all, it’s really the only product that you will ever purchase hoping you will never have to use it. But the harsh reality is that there are many unforeseen circumstances that can befall even the most conscientious among us and we must be prepared. Some of these situations can include:

  • Animal bites: Even the sweetest of pets can sometimes get startled, defensive, or play a little too rough without meaning to.
  • Slips and falls: No one plans to trip on the porch steps during your annual Memorial Day barbecue, but something as innocent as a gentle spring rain can render conditions just right for disaster.
  • Accidental property damage: Even when we have the best intentions, unintentional things can occur. Perhaps the lawn mower slings a rock; or that tree limb you are trimming has a slightly longer reach than you had anticipated, causing it to land on the front of your neighbor’s new car.
  • Injured children: Children, by nature, are very curious and highly energetic. If your home has a swing set, pool, or trampoline, there is a potential for a child to get injured.
  • Swimming pool mishaps: Many homeowner’s policies have very strict guidelines when it comes to pools. Companies often require a pool to be fenced, have no diving board or slide, and may even restrict the depth before they will afford coverage. Swimming pools are a wonderful form of recreation and exercise, but can also be the culprit of large liability claims.

It is important to note that while some of these occurrences are covered under the homeowner’s policy, some companies may exclude such things as unfenced pools, certain breeds of dog, or trampolines. It is also important to consider that in the event of a large claim, be it a homeowners or auto claim, your liability limits may not be sufficient to cover all of the other party’s damages in full. Personal liability insurance could potentially help to extend the reach of your current home or auto liability. It is for these reasons that you should consider specialized personal liability coverage, not only to protect you, your family, and your assets, but to protect them correctly.  We have markets that can help you to insure those difficult-to-place exposures. Please, contact us to discuss your unique situation and see how we can help you be better prepared for those unforeseen circumstances.