Consumers today are involved in more and a greater variety of activities then ever before. Children have athletic and educational opportunities that may not have been thought of fifteen or twenty years ago. International communication and travel has become affordable and almost common-place. At the same time today, the numbers are bigger - homes and cars cost more, personal income continues to increase, and consumer debt is higher than ever. More and costly activities coupled with inflated values play right in to the hand of a litigious society. In this course the student will examine, in depth, the personal umbrella policy. From this review the student should be better equipped to help consumers protect themselves against catastrophic liability losses.