Call Us 706-356-8884 ☰ ˟
Logo
Call Us 706-356-8884
  • Home
  • Our Agency
    • AboutImage of right arrow
      • Our Staff
      • Our Locations
      • Community Involvement
      • Winter Safety Tips
    • Personal ProductsImage of right arrow
      • Home & Auto Insurance
      • Auto InsuranceImage of right arrow
        • Liability Coverage
        • Comprehensive Coverage
        • Collision Coverage
        • Uninsured & Underinsured Motorist Coverage
        • Accident Forgiveness
        • Roadside Assistance
        • Specialty Auto Insurance
        • Towing
        • Rental Reimbursement
        • Medical Payments Coverage
      • Home InsuranceImage of right arrow
        • Property Insurance
        • Homeowners Liability
        • Renters Insurance
        • Condo Insurance
        • Mobile Home Insurance
        • Scheduled Property Insurance
        • Landlords Insurance
        • In-Home Business Insurance
      • Other Personal InsuranceImage of right arrow
        • Identity Theft
        • Personal Umbrella Insurance
        • Data Backup
      • Farm InsuranceImage of right arrow
        • Crop Insurance
        • Farm Owners Insurance
        • Farm Livestock Insurance
        • Equine Insurance
        • Farm Equipment Insurance
        • Farm Dwelling Insurance
        • Farm Structures Insurance
        • Farm Auto Insurance
        • Farm Umbrella Insurance
        • Farm Liability Insurance
      • Life InsuranceImage of right arrow
        • Individual Life Insurance
        • Group Life Insurance
        • Long-Term Care Insurance
        • Mortgage Protection Insurance
        • Disability Insurance
        • Second-To-Die Policy
        • Key Person (Key Men) Insurance
      • Health InsuranceImage of right arrow
        • Individual & Family Health Insurance
        • Group Health Insurance
        • Dental Coverage
        • Vision Coverage
        • Long-Term Care Insurance
        • Temporary Health Insurance
        • Supplemental Insurance
        • Disability Insurance
      • Recreational Vehicle InsuranceImage of right arrow
        • Boat Insurance
        • Motorcycle Insurance
        • Motorhome Insurance
        • ATV Insurance
      • Additional Insurance ServicesImage of right arrow
        • Special Event Insurance
        • Other Services
    • Commercial ProductsImage of right arrow
      • Coverage for Specific IndustriesImage of right arrow
        • Accounting Firm Insurance
        • Alarm Contractors Insurance
        • Insurance for Arborists
        • Construction Insurance
        • Consulting Firm Insurance
        • Specialty Trade Contractors Insurance
        • Craft Brewery Insurance
        • Educational Facility Insurance
        • Financial Institution Insurance
        • Healthcare Facility Insurance
        • Healthcare Practice Insurance
        • Law Firm Insurance
        • Life Science Insurance
        • Limousine Services Insurance
        • Livestock Insurance
        • Maintenance Contractors Insurance
        • Manufacturing Insurance
        • Maritime Employers Insurance
        • Media & Advertising Insurance
        • Orthotics & Prosthetics Insurance
        • Pool & Spa Insurance
        • Printers & Publishers Insurance
        • Railroad Contractors Insurance
        • Real Estate Businesses Insurance
        • Retail Insurance
        • School Bus Contractors Insurance
        • Scrap Metal Insurance
        • Security Guards Insurance
        • Self-Storage Insurance
        • Septic Contractors Insurance
        • Specialized Truck Equipment Insurance
        • Technology Services Insurance
        • Tow Trucks Insurance
        • Water Well Drillers Insurance
      • Coverage for Your BusinessImage of right arrow
        • Leave Management
        • Loss Control Insurance
        • Marine Insurance
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Inland Marine Insurance
        • Professional Liability
        • Workers Compensation
        • Bonds
        • Fidelity Bonds
        • Surety Bonds
      • Coverage for Your EmployeesImage of right arrow
        • Small Business Retirement Plans
        • Employer-Sponsored Retirement
        • Group Benefits
        • Group Disability Insurance
        • Voluntary Benefits
        • Retiree Health Coverage
        • Group Health Insurance
        • Disability Insurance
        • Individual Life Insurance
    • Our Providers
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Accident Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • Towing
      • Rental Reimbursement
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Consulting Services
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Construction Insurance
      • Consulting Firm Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Orthotics & Prosthetics Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
    • Coverage for Your BusinessImage of right arrow
      • Leave Management
      • Loss Control Insurance
      • Marine Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
      • Bonds
      • Fidelity Bonds
      • Surety Bonds
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
  • Contact Us
    • Lavonia Office
    • Habersham County Office
    • Cornelia Office
    • Elberton Office
    • Hartwell Office
    • Jefferson Office
    • Toccoa Office
    • Washington Office
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Farm Icon

Farm Owners

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life and Health Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Personal Umbrella Insurance: Claims Against Your Teen
TUESDAY, JANUARY 2, 2024

Personal Umbrella Insurance: Claims Against Your Teen

Why do you need to have personal umbrella insurance? Most homeowners and individuals believe they are not at risk for lawsuits. You do your job, you come and go as you should and you don’t do anything to bother other people. Yet, mistakes can happen and in some cases, there may be no way to avoid the risks you face. A lawsuit may be brought against you for something you didn’t even know you were responsible for. In some cases, those claims can even come from the actions or inactions of your teens. 

You Are Responsible family, home and car under umbrella
Let’s say your teen is outside walking the dog. There’s never been a problem before and your dog is a good one. Then, a person living a few streets away reaches out to your dog and the dog reacts with a bite. That person may be hurt and needing medical care. You could be held responsible for those costs including costs for pain and suffering. 

On the other hand, your teen may be driving your vehicle and hit someone walking down the street. Your car insurance may kick in to pay some of the lost costs, but if that person suffers significant injuries and long-term loss of use as a result of the actions, you could still be facing a lawsuit that amounts to thousands of dollars in losses. Your home may be on the line. Your teen may not have meant to cause the problem and it could simply have been a mistake. Now, you have to worry about the risks. 

Protecting What You Own 
It is situations like these, and many others like it that can put you, as a property owner at risk. Your standard liability insurance, associated with your home or your car, simply isn’t enough protection. That is when your personal umbrella insurance can help. It provides an additional layer of coverage that you simply need to have to minimize your risks. Of course, personal umbrella insurance isn’t just associated with your teen’s actions, but it can help protect against many of the risks of lawsuits you face on a routine basis in today’s litigious society. Your insurance agent can help you avoid many of these risks. 

We’re here to assist you. Call Franklin Insurance Agency, Inc for more information on umbrella insurance. 

Posted 2:33 PM

Tags: umbrella insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(28)
  • coverage(22)
  • policy(11)
  • business(10)
  • commercial(8)
  • bop(6)
  • owners(5)
  • ranch(5)
  • home insurance(5)
  • farm(5)
  • auto insurance(4)
  • life(3)
  • healthcare(3)
  • crop(3)
  • farm insurance(3)
  • agriculture(3)
  • car(3)
  • retirement(3)
  • accident(3)
  • auto(3)
  • livestock(2)
  • equipment(2)
  • premiums(2)
  • boat(2)
  • terms(2)
  • property(2)
  • whole(2)
  • renters insurance(2)
  • cyber(2)
  • life insurance(2)
  • small(2)
  • watercraft(2)
  • homeowners(2)
  • business owner's policy(1)
  • liability(1)
  • health insurance(1)
  • flood insurance(1)
  • planning(1)
  • recreational(1)
  • belongings(1)
  • rates(1)
  • renters(1)
  • damage(1)
  • umbrella insurance(1)
  • rv(1)
  • boat insurance(1)
  • motorcycle(1)
  • costs(1)
  • homeowners insurance(1)
  • business insurance(1)

View Mobile Version

Contact Us Today!
888-898-4950

Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

125484 Augusta Road PO Box 770
Lavonia, GA 30553

Ph: 706-356-8884
Toll Free: 888-898-4950
inquiries@franklininsuranceinc.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder