Protecting a Lifetime of Achievement
Liability insurance provides additional protection that may be needed in the event of an unexpected lawsuit. Let IMA Select be your lifestyle protector by delivering insightful and custom protection strategies. IMA Select clients enjoy access to unique insurance programs, not available to most of the market, with significant advantages.
Umbrella insurance includes several liability protections, such as:
- Additional liability coverage over the limits of the auto, home, and valuables
- Bodily Injury Liability – This can help cover if someone is injured and holds you responsible for that injury. This can help cover another person’s medical bills once your liability limit has been reached
- Landlord insurance – this coverage helps protect you if someone gets hurt at your rental property and wants to pursue litigation. This coverage helps once your liability limit has been exhausted
- Property damage liability – this helps pay for damage to another person’s property or vehicle. This coverage will take effect when your liability limit has been exhausted
What umbrella policy doesn’t help cover:
- Damage to your personal property from fire or theft
- Business activities or claims related to your profession
- Bodily injury or property damage caused intentionally by you or a family member in the home
- Liability resulting from an auto accident (Your auto insurance covers this)
Enhanced Coverages Liability
Suppose you suffer a loss covered by your Excess Liability Program but not an underlying policy. In that case, the excess program will “drop down,” eliminating the deductible that generally would have to be paid.
Non-profit Directors & Officers Liability Coverage
If you serve on the board of a non-profit, you could be held personally liable for claims of personal injury, property damage, wrongful termination, and breach of fiduciary duties. IMA Select provides access to insurance strategies that protect your family in the event the non-profit is issued.
Do not worry about coverage ends when you cross the border, IMA Select clients enjoy access to programs that extend internationally.
Even in cases where a suit is false, groundless, or fraudulent, IMA Select provides clients with insurance options that cover defense costs.