Which type of claims does the Personal Umbrella Policy (PUP) typically not cover?

The Personal Umbrella Policy (PUP) is designed to provide excess liability coverage beyond what is found in standard homeowners, auto, or other primary insurance policies. However, it specifically excludes certain types of claims, with intentional harm being a primary example.

When it comes to coverage, PUPs act as a safety net for losses that exceed the limits of an insured's underlying policies, but they do not cover claims for damages that arise from intentional acts. This is because insurance is meant to provide protection for unforeseen accidents rather than to endorse or cover actions that are deliberately harmful.

In contrast, liability claims exceeding primary policy limits, third-party liability claims, and claims for bodily injury are all typically covered by PUPs, as long as they are not related to the individual's intentional actions. This distinction helps to maintain the integrity of the insurance model by ensuring that policies are applied in a way that encourages responsible behavior.