{"id":4702,"date":"2015-05-28T06:52:35","date_gmt":"2015-05-28T06:52:35","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4702"},"modified":"2015-05-28T06:52:35","modified_gmt":"2015-05-28T06:52:35","slug":"umbrella-liability-claim-scenario-1-scary-stuff","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/","title":{"rendered":"Umbrella Liability Claim Scenario 1\u2026.Scary Stuff"},"content":{"rendered":"<p>A Personal Umbrella Policy (PUP) is a necessary addition to insurance protection for most insureds. Are you aware of the importance of this valuable coverage? One of the best ways to understand the need for a personal umbrella is to review actual claims examples. It is very clear that an incident arising from just normal daily activities can expose all of us to the potential for a large claims suit.Listed below are actual RLI PUP claims. These claims show the very real consequences of situations that quickly exhaust underlying liability limits and threaten the net worth of the people involved.<\/p>\n<p>The Insured hosted a party at his home. Among the guests was the Claimant, a family friend who was also the Insured\u2019s financial advisor. The Claimant brought his wife, infant, and 2 year old child to the party.  The Insured gave the Claimant a jug of spring water for him to use to mix formula for the infant. The 2 year old child also had a drink.<\/p>\n<p>Shortly thereafter, the children became ill.  The family left the party, and then took the children to the hospital. The hospital requested the water jug which was found to contain arsenic. An old label was found wrapped around the handle with the word \u201cweed killer\u201d printed on it. The Insured had apparently mixed a solution of weed killer in a jug similar to the ones used for spring water and mistakenly given it to the Claimant. The infant died and the 2 year child survived after being in critical condition. The Personal Umbrella policy limits were paid out.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Personal Umbrella Policy (PUP) is a necessary addition to insurance protection for most insureds. Are you aware of the importance of this valuable coverage? One of the best ways to understand the need for a personal umbrella is to review actual claims examples. It is very clear that an incident arising from just normal daily activities can expose all of us to the potential for a large claims suit.Listed below are actual RLI PUP claims. These claims show the very real consequences of situations that quickly exhaust underlying liability limits and threaten the net worth of the people involved. The Insured hosted a party at his home. Among the guests was the Claimant, a family friend who was also the Insured\u2019s financial advisor. The Claimant brought his wife, infant, and 2 year old child to the party. The Insured gave the Claimant a jug of spring water for him to use to mix formula for the infant. The 2 year old child also had a drink. Shortly thereafter, the children became ill. The family left the party, and then took the children to the hospital. The hospital requested the water jug which was found to contain arsenic. An old label was found wrapped around the handle with the word \u201cweed killer\u201d printed on it. The Insured had apparently mixed a solution of weed killer in a jug similar to the ones used for spring water and mistakenly given it to the Claimant. The infant died and the 2 year child survived after being in critical condition. The Personal Umbrella policy limits were paid out.<\/p>\n","protected":false},"author":2,"featured_media":4652,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"A Personal Umbrella Policy (PUP) is a necessary addition to insurance protection for most insureds. Are you aware of the importance","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_metasync_otto_title":"","_metasync_otto_description":"","rank_math_title":"","rank_math_description":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-4702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-swfl-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Umbrella Liability Claim Scenario 1\u2026.Scary Stuff - SWFL Insurance<\/title>\n<meta name=\"description\" content=\"A Personal Umbrella Policy (PUP) is a necessary addition to insurance protection for most insureds. Are you aware of the importance\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Umbrella Liability Claim Scenario 1\u2026.Scary Stuff - SWFL Insurance\" \/>\n<meta property=\"og:description\" content=\"A Personal Umbrella Policy (PUP) is a necessary addition to insurance protection for most insureds. Are you aware of the importance\" \/>\n<meta property=\"og:url\" content=\"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/\" \/>\n<meta property=\"og:site_name\" content=\"SWFL Insurance\" \/>\n<meta property=\"article:published_time\" content=\"2015-05-28T06:52:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2020\/08\/What-Happens-to-Businesses-Without-Insurance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"SWFL Insurance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"SWFL Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/\",\"url\":\"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/\",\"name\":\"Umbrella Liability Claim Scenario 1\u2026.Scary Stuff - SWFL Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/swflinsurance.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2020\/08\/What-Happens-to-Businesses-Without-Insurance.jpg\",\"datePublished\":\"2015-05-28T06:52:35+00:00\",\"author\":{\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b\"},\"description\":\"A Personal Umbrella Policy (PUP) is a necessary addition to insurance protection for most insureds. Are you aware of the importance\",\"breadcrumb\":{\"@id\":\"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/#primaryimage\",\"url\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2020\/08\/What-Happens-to-Businesses-Without-Insurance.jpg\",\"contentUrl\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2020\/08\/What-Happens-to-Businesses-Without-Insurance.jpg\",\"width\":450,\"height\":250},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/swflinsurance.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Umbrella Liability Claim Scenario 1\u2026.Scary Stuff\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/swflinsurance.com\/#website\",\"url\":\"https:\/\/swflinsurance.com\/\",\"name\":\"SWFL Insurance\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/swflinsurance.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b\",\"name\":\"SWFL Insurance\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g\",\"caption\":\"SWFL Insurance\"},\"url\":\"https:\/\/swflinsurance.com\/author\/designer1mandmmultimedia-com\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Umbrella Liability Claim Scenario 1\u2026.Scary Stuff - SWFL Insurance","description":"A Personal Umbrella Policy (PUP) is a necessary addition to insurance protection for most insureds. Are you aware of the importance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/","og_locale":"en_US","og_type":"article","og_title":"Umbrella Liability Claim Scenario 1\u2026.Scary Stuff - SWFL Insurance","og_description":"A Personal Umbrella Policy (PUP) is a necessary addition to insurance protection for most insureds. Are you aware of the importance","og_url":"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/","og_site_name":"SWFL Insurance","article_published_time":"2015-05-28T06:52:35+00:00","og_image":[{"width":450,"height":250,"url":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2020\/08\/What-Happens-to-Businesses-Without-Insurance.jpg","type":"image\/jpeg"}],"author":"SWFL Insurance","twitter_card":"summary_large_image","twitter_misc":{"Written by":"SWFL Insurance","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/","url":"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/","name":"Umbrella Liability Claim Scenario 1\u2026.Scary Stuff - SWFL Insurance","isPartOf":{"@id":"https:\/\/swflinsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/#primaryimage"},"image":{"@id":"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/#primaryimage"},"thumbnailUrl":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2020\/08\/What-Happens-to-Businesses-Without-Insurance.jpg","datePublished":"2015-05-28T06:52:35+00:00","author":{"@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b"},"description":"A Personal Umbrella Policy (PUP) is a necessary addition to insurance protection for most insureds. Are you aware of the importance","breadcrumb":{"@id":"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/#primaryimage","url":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2020\/08\/What-Happens-to-Businesses-Without-Insurance.jpg","contentUrl":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2020\/08\/What-Happens-to-Businesses-Without-Insurance.jpg","width":450,"height":250},{"@type":"BreadcrumbList","@id":"https:\/\/swflinsurance.com\/umbrella-liability-claim-scenario-1-scary-stuff\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/swflinsurance.com\/"},{"@type":"ListItem","position":2,"name":"Umbrella Liability Claim Scenario 1\u2026.Scary Stuff"}]},{"@type":"WebSite","@id":"https:\/\/swflinsurance.com\/#website","url":"https:\/\/swflinsurance.com\/","name":"SWFL Insurance","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/swflinsurance.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b","name":"SWFL Insurance","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g","caption":"SWFL Insurance"},"url":"https:\/\/swflinsurance.com\/author\/designer1mandmmultimedia-com\/"}]}},"_links":{"self":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts\/4702","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/comments?post=4702"}],"version-history":[{"count":0,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts\/4702\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/media\/4652"}],"wp:attachment":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/media?parent=4702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/categories?post=4702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/tags?post=4702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}