Personal Umbrella brochure - Western National Insurance Group
Personal Umbrella brochure - Western National Insurance Group
Personal Umbrella brochure - Western National Insurance Group
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<strong>Personal</strong><br />
<strong>Umbrella</strong><br />
<strong>Insurance</strong><br />
Accidents happen. In today’s<br />
society, sometimes those accidents<br />
result in large and unforeseen losses<br />
where the expenses exceed the<br />
limits of a typical auto or<br />
homeowner’s policy.<br />
For example:<br />
• Your teenager causes an auto<br />
accident that permanently<br />
disables another driver<br />
• You accidentally injure<br />
someone while boating or<br />
hunting<br />
• Your pet dog bites a neighbor’s<br />
child, causing both physical and<br />
psychological damages<br />
• Your son or daughter bullies<br />
another kid online, resulting in a<br />
defamation lawsuit<br />
For not a lot of extra money,<br />
<strong>Personal</strong> <strong>Umbrella</strong> <strong>Insurance</strong> from<br />
<strong>Western</strong> <strong>National</strong> provides you with<br />
an extra layer of liability coverage<br />
to help protect you financially<br />
against these and other potentially<br />
large claims.
The preferred insurance solution for your liability<br />
protection needs!<br />
QUICK FACTS ABOUT WESTERN NATIONAL<br />
• Founded in 1900 in St. Paul, Minnesota<br />
• Products are available through Independent<br />
Agents only<br />
• Rated “A” (Excellent) by A.M. Best; Financial<br />
Size Category: IX ($250 million to $500 million)<br />
• Offers <strong>Personal</strong> <strong>Umbrella</strong> in 4 states (IA, MN,<br />
SD, & WI)<br />
• Community-focused, with 1,400 employee<br />
hours and $190,000+ donated last year to<br />
people in need<br />
• Caring claims staff who average 20 years of<br />
experience and who earn a 98 percent<br />
claim satisfaction rating<br />
PERSONAL UMBRELLA PRODUCT FEATURES<br />
<strong>Western</strong> <strong>National</strong>’s <strong>Personal</strong> <strong>Umbrella</strong> <strong>Insurance</strong><br />
provides an extra layer of liability coverage<br />
beyond the coverage provided by your<br />
<strong>Western</strong> <strong>National</strong> auto, home, or other liability<br />
policy. It helps guard you against large and<br />
unforeseen losses, protecting your personal<br />
assets and future earnings.<br />
<strong>Western</strong> <strong>National</strong> offers <strong>Umbrella</strong> limits of<br />
$1 million to $5 million (subject to qualifications).<br />
WORLDWIDE HOMEOWNER LIABILITY COVERAGE<br />
Your <strong>Umbrella</strong> policy covers incidents involving<br />
personal liability or any property covered by<br />
your basic homeowner’s, condo/townhouse, or<br />
tenant’s policy, no matter where it takes place.<br />
BODILY INJURY & PROPERTY DAMAGE CLAIMS<br />
Coverage for your greatest exposure to a<br />
large, unforeseen loss: your personal autos.<br />
PERSONAL INJURY PROTECTION<br />
Our <strong>Umbrella</strong> covers libel, slander, defamation<br />
of character, and invasion of privacy.<br />
DUTY TO DEFEND<br />
In addition to your limit of liability, <strong>Western</strong><br />
<strong>National</strong> pays the expensive costs of defending<br />
you in the legal process.<br />
Headquarters:<br />
5350 West 78th Street, Edina, Minnesota 55439-3101<br />
Phone: 952.835.5350 | Toll-Free: 800.862.6070 | Fax: 952.921.9295<br />
Email: info@wnins.com | Web: www.wnins.com<br />
Our Companies:<br />
Arizona Automobile | Pioneer Specialty<br />
Umialik | <strong>Western</strong> Home | <strong>Western</strong> <strong>National</strong> Assurance<br />
<strong>Western</strong> <strong>National</strong> Mutual<br />
Financial Strength Rating<br />
A<br />
MBEST<br />
A Excellent
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