I got rear ended tonight on the way to the MU game

[TSmith34, Inc.]

Personal Liability insurance.

[ZiggysFryBoy]

This got me thinking... does anyone have any sort of "special liability" insurance, be it for work or personal, that covers  gaps/exclusions in your typical auto/home coverages?  Not simply an umbrella policy, but something that provides legal coverage outside of the home from unlikely and/or frivolous lawsuits (for which you normally aren't liable, but you'd still need to pay to defend).  And if so, what would this be called?

There could literally be infinite examples of this, but just off the top of my head... 

1) You're holding a door open for the person behind you as you exit the FiFo when a windgust slams the door shut on said person who suffers injury.  She sues everyone, including you.

2) You're crossing Wisconsin Ave at the crosswalk on 13th Street, westbound driver doesn't see you until last second, swerves to miss, loses control, and goes head-on into eastbound lane killing the driver, whose family promptly files wrongful death suit against both you and the inattentive driver.

Your homeowners policy has liability coverage too.  That would provide defense for random occurrences.

One thing that most people dont have is an endorsement for personal injury: libel, slander, defamation, wrongful detention, etc.   Worth the few bucks to add that to your insurance.

Your personal umbrella provides that coverage too, but you have to have it on the underlying homeowners/renters policy.

[Benny B]

Your homeowners policy has liability coverage too.  That would provide defense for random occurrences.

One thing that most people dont have is an endorsement for personal injury: libel, slander, defamation, wrongful detention, etc.   Worth the few bucks to add that to your insurance.

Your personal umbrella provides that coverage too, but you have to have it on the underlying homeowners/renters policy.

Businesses have CGL and E&O policies that cover its employees whether they're in the office or not (so long as they're on company business), but it is my understanding that PERSONAL liability and umbrella on your HO policy does not cover you for occurrences outside the home.

[ZiggysFryBoy]

Businesses have CGL and E&O policies that cover its employees whether they're in the office or not (so long as they're on company business), but it is my understanding that PERSONAL liability and umbrella on your HO policy does not cover you for occurrences outside the home.

Wrong.

Umbrellas give you liability coverage globally.   Some homeowners policies do too, others are limited to the US and Canada.

Free tip.  If you drive in Mexico,  you have to buy a policy from Mexico. Total scam,  but the policia will nail gringos for that.

[Benny B]

Wrong.

Umbrellas give you liability coverage globally.   Some homeowners policies do too, others are limited to the US and Canada.

Free tip.  If you drive in Mexico,  you have to buy a policy from Mexico. Total scam,  but the policia will nail gringos for that.

My Home/Auto/Umbrella is with Erie Insurance, I have their top tier coverage (or at least what was their top tier coverage as of 3 or 4 years ago) that exceeds HO-5, but my agent told me flat out that if I get sued for something that didn't occur at or involve either my home or car, that Erie would not defend me.

Now, maybe I misinterpreted that as them saying that Erie would not hire a lawyer for me or they would not advance funds for my defense (but would reimburse me), or maybe it was the agent assuming that we were talking in context of something happening during the course of my employment (in which case, my employer's insurance would be primary).  But if I just happen to be walking by a bank when the alarm goes off and people start pointing the finger at me when the police show up because I'm wearing the same color hoodie as the actual perp, the last person I want to be talking to is my insurance agent who couldn't even tell me what my coverage was eligible for.  And even then, I'm going to probably have to do everything myself and submit a claim for reimbursement later, which is great so long as it's not something for which I'm being hauled off to the pokey.

This is probably too extreme of a term, but I'm curious as to whether some sort of "crisis response" insurance even exists, something like what ADT does if your alarm goes off (i.e. ADT doesn't show up with a fire hose, when the alert comes in, they start calling the appropriate personnel)... that is, if I get drawn into something that isn't my fault, be it civil or criminal, that I can literally make one call to my insurance company and they start liaising with anyone I need for the situation - attorneys, bail, consultants, temporary housing, transportation, etc. - all without me having to come out of pocket first (even if there's a deductible or co-pay, that gets squared away later).

[ZiggysFryBoy]

My Home/Auto/Umbrella is with Erie Insurance, I have their top tier coverage (or at least what was their top tier coverage as of 3 or 4 years ago) that exceeds HO-5, but my agent told me flat out that if I get sued for something that didn't occur at or involve either my home or car, that Erie would not defend me.

Now, maybe I misinterpreted that as them saying that Erie would not hire a lawyer for me or they would not advance funds for my defense (but would reimburse me), or maybe it was the agent assuming that we were talking in context of something happening during the course of my employment (in which case, my employer's insurance would be primary).  But if I just happen to be walking by a bank when the alarm goes off and people start pointing the finger at me when the police show up because I'm wearing the same color hoodie as the actual perp, the last person I want to be talking to is my insurance agent who couldn't even tell me what my coverage was eligible for.  And even then, I'm going to probably have to do everything myself and submit a claim for reimbursement later, which is great so long as it's not something for which I'm being hauled off to the pokey.

This is probably too extreme of a term, but I'm curious as to whether some sort of "crisis response" insurance even exists, something like what ADT does if your alarm goes off (i.e. ADT doesn't show up with a fire hose, when the alert comes in, they start calling the appropriate personnel)... that is, if I get drawn into something that isn't my fault, be it civil or criminal, that I can literally make one call to my insurance company and they start liaising with anyone I need for the situation - attorneys, bail, consultants, temporary housing, transportation, etc. - all without me having to come out of pocket first (even if there's a deductible or co-pay, that gets squared away later).

I'll respond in full later, but your agent is an idiot.

[Jockey]

I'll respond in full later, but your agent is an idiot.

I think everything you have said on the subject is correct.