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Updated almost 11 years ago on . Most recent reply

Ryan Nelson's profile image
Ryan Nelson's profile image
Ryan Nelson
  • Investor
  • from Columbus, Indiana
  • Member since Nov 8, 2013

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Ryan Nelson's profile image
Ryan Nelson's profile image
Ryan Nelson
  • Investor
  • from Columbus, Indiana
  • Member since Nov 8, 2013
Ryan Nelson
  • Investor
  • Columbus, IN
2
Votes |
12
Posts
Goals, Business Plans & Entities

Umbrella policy

Ryan Nelson
  • Investor
  • Columbus, IN
Posted

Does a personal umbrella do anything for me if I have commercial properties under LLC name and I gave personal guarantee on the loan? Wondering if a personal umbrella helps me at all if the LLC gets sued?

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Derek B.'s profile image
Derek B.'s profile image
Derek B.
  • from Greensboro, North Carolina
  • Member since Apr 20, 2014

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Derek B.'s profile image
Derek B.'s profile image
Derek B.
  • from Greensboro, North Carolina
  • Member since Apr 20, 2014
Derek B.
  • Greensboro, NC
143
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212
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Derek B.
  • Greensboro, NC
Replied

@Ryan Nelson Not an expert on the topic, but I would think no. You as an individual are the named insured on the personal umbrella. The LLC is not a named insured.

I don't think the personal loan guarantee has any bearing - that's a bank requirement.

Talk to an insurance broker/agent who specializes in commercial properties.

no legal advice.

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