Jack Thought He Was Fully Insured... A Liability Exclusion Proved Otherwise.
Most Umbrella Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
The Petersons’ Social Host Exclusion*
Bill and Karen Peterson hosted a Super Bowl party, with a $300,000 homeowners liability limit plus a $2 million umbrella policy. A guest insisted he was fine to drive after several drinks and later severely injured a young couple in a crash. When the Petersons were sued under "social host liability," their umbrella carrier denied the claim, citing a “Liquor Liability Exclusion”.
Potential Denial (The Exclusion):
Many US umbrella policies exclude “social host” and liquor liability, leaving responsible hosts exposed for hundreds of thousands in uncovered liability.
Risk Identified by My Policy Advocate:
Social host/liquor exclusions, common even in otherwise “broad” personal umbrellas.
Policy Language:
“This policy does not apply to any claim arising out of… causing or contributing to the intoxication of any person.”
Discovery by Clara, our Ai Assistant:
Clara searches the umbrella contract for the specific terms “social host,” “liquor liability,” and “intoxication” to flag the potential exclusion.
Questions to Ask Your Agent:
- Does my umbrella exclude social host or liquor liability?
- Are buybacks or endorsements available to cover this risk?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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