personal umbrella:

There is a way you can avoid needless worry about being sued if someone sustains a serious injury on your property, in your car or on your recreational vehicle.

Who would sue you for a million dollars? The fact is, anyone could. Although million dollar lawsuits were unheard of until just a few year ago, suits of this magnitude are becoming all too common.

Unfortunately, in many cases, the person sued can do little to prevent it. Here are some examples. Could you stop any of these from happening?

• You are driving down the street and suddenly a small child dashes in front. of your car.
• A guest in your home trips and falls on your steps.
• Your son hits a ball that strikes another child in the head.

These are all real situations that could happen to any of us.

When accidents like these happen, you could end up defending yourself in a court of law. If you lose, this can mean losing everything you own.

Even if you win, the cost of hiring an attorney might literally bankrupt you, robbing you of your future.

Western Frontier Insurance can offer you a simple, low-cost way to protect yourself and your family with a Personal Excess Policy.

One Million or More

With this unique policy, you will have an additional limit of liability protection of $1 million or more.

The Personal Excess Policy builds on the protection you already have - home, auto or recreational vehicle coverage. It gives you an extra limit over and above other policies.

How are rates determined?

• Each person's unique situation and lifestyle presents a different exposure to liability loss. Your rate is determined by some of the following factors:
• The number of properties you own, rent or farm, and their size.
• The amount of cars, pickups, motorcycles or farm trucks your own, lease or operate.
• The number of recreational vehicles you have licensed for road use.
• The total number, size and power of any boats you have.
• Even with this great additional coverage, it might be wise to ask your agent to review each of your other liability insurance policies for adequacy.