{"id":212,"date":"2026-07-31T12:00:00","date_gmt":"2026-07-31T18:00:00","guid":{"rendered":"https:\/\/www.nestinsuranceagency.com\/blog\/?p=212"},"modified":"2026-07-22T18:19:17","modified_gmt":"2026-07-23T00:19:17","slug":"will-umbrella-insurance-cover-physical-assault-lawsuits","status":"publish","type":"post","link":"https:\/\/www.nestinsuranceagency.com\/blog\/will-umbrella-insurance-cover-physical-assault-lawsuits\/","title":{"rendered":"Will Umbrella Insurance Cover Physical Assault Lawsuits?"},"content":{"rendered":"

Umbrella insurance is the personal liability coverage most people need to make sure they don’t have to file for bankruptcy or liquidate their assets. It’s important to make sure you understand your coverage to protect yourself financially. <\/span><\/span><\/span><\/p>\n

What is Liability Coverage?<\/span><\/span><\/span><\/h3>\n

Liability coverage provides coverage for the other person’s property damage or bodily injury expenses. That means that it may cover things like the other person’s medical bills, but it won’t cover your own. <\/span><\/span><\/span><\/p>\n

What Else is Covered?<\/span><\/span><\/span><\/h3>\n

These policies can also cover the settlement amount if there’s a judgment against you or the expense of a legal team. However, there are coverage limits to consider. It’s important to speak with an agent here at Nest Insurance Agency to learn how much coverage you have and what else your specific policy may cover. <\/span><\/span><\/span><\/p>\n

What About Physical Assault Lawsuits?<\/span><\/span><\/span><\/h3>\n

Whether your policy will cover a physical assault lawsuit in Amarillo, TX depends on the situation. Most policies specifically exclude acts of malice. So, if you walk up to someone and punch them first, and then get sued, your claim will likely be denied. <\/span><\/span><\/span><\/p>\n

However, there are situations where your policy may provide coverage. Some policies will provide coverage for acts of self-defense, even if you hurt the other person. <\/span><\/span><\/span><\/p>\n

Some policies also specifically exclude criminal acts from coverage, which can include assault and battery. So, if you’re being sued for assault, your company may automatically deny the claim.<\/span><\/span><\/span><\/p>\n

This can be situational, so it’s best to work with an agent at Nest Insurance Agency to learn about your options. Our representatives will take the time to listen to your story and work with you to see what we can do. Contact us today. We’re currently serving the Amarillo, TX area. <\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Umbrella insurance is the personal liability coverage most people need to make sure they don’t have to file for bankruptcy or liquidate their assets. It’s important to make sure you understand your coverage to protect yourself financially.  What is Liability Coverage? Liability coverage provides coverage for the other person’s property damage or bodily injury expenses. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[7,20,6,10,21],"class_list":["post-212","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-amarillo","tag-insurance","tag-nest-insurance-agency","tag-tx","tag-umbrella"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t