TEL: 973.235.1562   Fax: 973.235.0565

auto insurance
homeowners insurance
life insurance
commercial insurance
other insurance
fixed annuities
about us
contact us

If you answer "yes" to one or more of these questions, you might be a target for a
million dollar lawsuit!

  1. Do you own your home?
  2. Do you own a vacation home?
  3. Do you own waterfront property?
  4. Do you have a swimming pool on your property?
  5. Do you own more that one automobile?
  6. Do you own a luxury automobile?
  7. Do you own a power or sailboat?
  8. Do you own a dog?
  9. Do you have above-average family income?

Actually, even if you answered "no" to each of these questions, there is always the possibility of being sued for a million dollars, although the majority of major suits are leveled against people who answer "yes" to one or more of the above questions.

  • You don't have to be a millionaire to be sued like a millionaire.
  • Juries don't seem to care about the ability to pay when they award million dollar judgements.
  • Your auto insurance will protect you only to the limits of your liability overage.
  • Your homeowners insurance will protect you only to the limits of your liability coverage.
  • You might not have done anything wrong and still be forced to pay. (Even a fenced-in pool has been deemed an attractive nuisance.)
  • You can lose nearly everything you own, and still be liable to pay more out of future earnings.

  • Look into at least $1 million dollar "umbrella" liability protection—over and above your basic homeowners and automobile liability limits.
  • Make sure the "umbrella" you purchase covers you for motor vehicle and watercraft operations.
  • Be certain you are covered for incidents involving any property covered by your homeowners policy.
  • Ask about coverage for incidents involving libel, slander, character defamation, privacy invasion and false arrest.
  • You want everyone in your household (relatives or others residing with you) to be covered.
  • Make sure you understand all that is covered and all that is not covered. (Among "exclusions" are usually professional liability business liability and aircraft liability.)
  • Call us today for complete information and the affordable rates of a Personal Umbrella Policy.
  Disclaimer: Park Insurance will never share nonpublic personal information to non-affiliated third parties for purposes other than those that are permitted by law.