Umbrella Liability

Umbrella Liability

Do you have a cleaner?  Own a dog?  Are you active on Twitter?   Serve as a non-profit trustee?

As you accumulate wealth and standing in your community, your personal liability risks may not be covered by your Homeowners’ Insurance – we strongly recommend an “Umbrella” or Excess Liability policy to provide an extra umbrella of coverage where property and auto insurance ‘max out’. It only takes a cleaner, nanny or dog walker to slip on a path – and no amount of goodwill will compensate a debilitating injury. Excess Liability Insurance is a critical but often overlooked component of a personal insurance portfolio. 

Busy people are increasingly employing domestic staff - cleaners, gardeners, nannies - to simplify their lives. Employing staff and hosting public events bring liabilities: what if someone were injured or had belongings damaged on your property?

Everywhere you look, there are liabilities:

  • Owning a home
  • Driving a car
  • Kids who drive or are away at school
  • Employing domestic staff – a housekeeper or nanny
  • Entertaining guests at home
  • Blogging, Tweeting or posting comments online
  • Having a swimming pool or trampoline
  • Serving on a non-profit association’s board

You don't have to be a millionaire to be sued like one. An Excess Liability policy from a quality insurer provides a number of important coverages - bodily injury, property damage, even libel or slander. It also protects against legal suits for damages, even if the suit is groundless, false or fraudulent. 

According to the CDC (Center for Disease Control), an estimated 4.7 million Americans are bitten by a dog each year. Many standard homeowner policies exclude coverage for certain breeds of dogs. A heads-up for dog-owners!

Personal Liability covers you for injury or damage you may cause to people or property anywhere in the world (eg: your golf ball strikes and injures somebody, or you injure somebody whilst jet-skiing).

Owners' Liability covers you for injury to people whilst on your property (eg: a member of the public falls over at an event - perhaps a charity day, or whilst your gardens are opened to the public).

Workers' Compensation covers you for injury caused to cleaners, gardeners, forestry workers, nannies and other domestic staff.

Download: La Playa Private Client Brochure PDF Document

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About La Playa Private Client

Specialist & Independent

Specialist & Independent

La Playa Private Client creates a safe space for you to live life to the full, enjoying your family, friends, and assets wherever you are in the world - without worry or hassle.

We can make sense of all your insurance needs - property, yachts and superyachts, high-performance and classic cars, private jets, art, wine and jewelry collections – and your liabilities too. We can pull multiple assets together on a single “portfolio” policy – or if you prefer, take care of each item separately. 

Amid the impersonal and automated world of large insurance corporations, La Playa provides a refreshingly boutique-style service, with individual advice, and cover based on in-depth understanding of your specific situation. After a detailed and confidential review of your needs and priorities, we’ll structure your insurance arrangements so you know you and your family are protected, come what may.  

Advice you can trust

…from an expert who understands you

  • Specialist, global policies for affluent lifestyles
  • Independent, specialist advice
  • Boutique–style, luxury service
  • “Can do” culture
  • Worldwide capability: offices in New York & London
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