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You have to look no further than your local paper or the internet to read about the barrage of lawsuits in our court system today. Settlements in the millions of dollars are more commonplace than ever before. What if you accidentally insure someone and you are the one being sued? You auto and homeowners’ policies may provide substantial liability coverage but it may not be enough. Catastrophe (umbrella) policies provides an additional $1 million or more of coverage to your personal liability. While it doesn’t replace your auto or homeowner’s policy, is does provide additional coverage to keep you and your family even more financially secure.