Umbrella insurance is not just something you need on a rainy day, but it’s also not usually something you think about when the summer sun is shining and the pool is glistening with cool, refreshing water. Pool party. Now that’s what you’re thinking. 
What better way to enjoy the Texas heat than with a rockin’ pool party full of barbecuing, swimming and children playing? That’s all fine and good, but another less fun aspect to planning the ultimate pool party is thinking about safety. No matter how nice, a pool or outdoor area is an accident waiting to happen. Pool-related injuries such as slipping or even drowning are more common than you think. According to the U.S. Consumer Product Safety Commission, drowning is the second-leading cause of injury and death of children 14 and under. Making sure your pool party is safe for all your guests is essential, but you cannot be everywhere at once. You need protection, but don’t count on Spider-Man.
You need an umbrella, but not one with polka dots. Tri-Star Insurance located in North Plano and servicing the McKinney, Frisco, North Dallas, Allen and surrounding areas, can equip you with an umbrella insurance policy that will keep you covered wherever you go. Umbrella insurance, or personal liability insurance, is a form of supplemental insurance that covers you in the event of an accident, which can result in untold damages or even a lawsuit.
For example, say you fall asleep at the wheel, or have a party where a guest gets hurt on your property. You as the homeowner will be liable for any damages. Your home or auto policy offers some liability, but it may not be enough. In the case that your other insurance policies’ liability limits have been exhausted, umbrella insurance takes over. If you don’t have any, then you may end up surrendering your personal assets to pay out a lawsuit. In some cases even wage garnishment is put into effect. Sounds scary, right? It’s not something to take lightly, especially if you are planning to have guests over for a summer pool party.
The agents at Tri-Star can get you a personal liability insurance policy tailored to fit your needs and your budget. As an independent insurance agency, Tri-Star Insurance is able to find the most competitive rates available by representing companies such as Travelers, Kemper, Hartford, Safeco and Germania. The difference between an independent agency and a captive agency such as Allstate or State Farm is that agents from a captive insurance agency can only offer consumers the rates of the companies where they are employed.
Safeguard yourself from potential pool mishaps by:
- Setting up a fence or barrier around the pool
- Never leave children under 15 unsupervised
- Do not let anyone swim alone
- Keep floatation devices in and around the pool
Keep your party safe and hoppin’ with umbrella insurance from Tri-Star Insurance. For more information about personal liability insurance contact Tri-Star Insurance Professionals, Inc. at 214-387-0600 or visit them online at www.tristarins.com.
