Personal | Personal Umbrella

As many individuals have discovered, you don’t have to be a millionaire to be sued like one. The fact is many homeowners are not adequately protected against a catastrophic loss. A single lawsuit, even if you win, can end up costing hundreds of thousands of dollars. The greater your assets, the more you have at risk.

Select insurers can help protect you against personal liabilities that could jeopardize a substantial portion of your assets, even if you already have liability coverage provided by your Automobile and Homeowners policies.

Multi-million Dollar Claims Are Not As Rare As You Think

As you turn a corner in your car, you accidentally injure a successful entrepreneur in the crosswalk. Medical costs, lost earnings and damages amount in the millions and you are responsible.

You are having a wide-screen television delivered to your home and one of the deliverymen slips and falls on your icy steps and breaks his leg. He is now out of work with mounting medical bills.

You volunteer on the board of directors of your condominium association. The Board installs a playground with a faulty swing on its premises and a fellow association member’s child is injured. You are sued as a board member.

In addition, in the event of a substantial liability claim against you, none of the expenses the insurance company incurs as a result of defending you will be applied to the policy limit. The limit is in excess of any defense costs.

Also,  if you employ residential staff, such as gardeners, housekeepers or nannies, you have additional liability hazards. We recommend you consider purchasing an additional endorsement to your Personal Umbrella for Employment Practices Liability (EPLI). This coverage is not available on all umbrella policies.

Please contact us today for a thorough review of your insurance needs at


My company has called on Petschauer Insurance for many years for its insurance needs: liability, liquor, auto, etc. Working with Erwin and his team has been a pleasure from beginning to present. They are quick to answer any question and provide sound advice. I have always felt that my and our needs are important to them, in theory and practice. They go the extra mile, and we continue to be well served.
Stephen Kennard from Canard Inc.
Quality attentive service is hard to find, but at Petschauer Insurance that’s what you can expect from their always friendly staff . It’s what we’ve experienced for all these many years.
John from Forest Pork Store Inc.
I have been with Petschauer Insurance for a long time. My account executive Lori Halloran is like family to me: she is always there when I need her and is very knowledgeable and understanding. I wouldn’t go anywhere else for my insurance needs.
Vincent Falcone
Petschauer is great. I never had a problem.  They always call me back. Fabulous employees who are always willing to help.
Marty Bruno
I have been with Petschauer Insurance for over twenty five years. The staff is knowledgeable and professional. Petschauer writes both my personal and commercial insurance and they provide excellent counseling. I truly trust the firm and their staff. Thank you.
Mike Matonti
Excellence in customer service and it’s a one stop shop for all my insurance needs.
Tom Haines
Spence-Chapin has had the pleasure of working with the wonderful John Petschauer, Inc. for 15+ years. They have always provided excellent service to us–with great knowledge, expertise, and patience — even in the most challenging situations. There has not been one time when they have not been immediately accessible to us, even at a moment’s notice. We thank them for their work and celebrate their 60th anniversary, while looking forward to working with them for another 60 years and beyond!
I have had the pleasure of working with various members of the Petschauer Team, both personally and professionally for 20+ years. And I couldn’t have done it without them. They go above and beyond. Heidi, Narima, Sherri and LuAnn don’t just bring to us the products they offer, they help me to understand the specifics and evaluate what makes the most sense for me, my family and my employees. I always feel I have a better understanding of an industry I have no understanding of so that I can evaluate the offerings in a smart way, cost effective way. They are proactive with renewals, allowing us the time to do our due diligence, evaluate our plans to be sure we’re properly covered and are always there to listen and help with special circumstances. Their kindness, caring and willingness to lend an ear when needed, really makes them stand apart from the rest. Heidi and her family have built a beautiful culture at Petschauer and I highly recommend them to anyone I meet.
Jamie Stedman-Novo
My family and I are long time personal and business clients of Petschauer Insurance. We sincerely appreciate your responsiveness and the quality of service that Petschauer provides. We have recommended your company to others because of our satisfaction with your service. We look forward to doing business with you for years to come.
Greg Weiss
I have worked with various individuals at Petschauer and have found each to be responsive, courteous, and thoughtful. Each year, the contact for my auto policy proactively seeks new bids and has consistently saved me money on my policy.
Ryan Huber