Accidents Happen. That's why people have homeowners and auto insurance. However, if your customers aren't protected by a personal umbrella policy, they could be putting their homes or financial assets at risk. A personal umbrella policy (PUP) would substantially increase your customer's overall liability coverage with an extra layer of protection beyond the basic coverage provided under their homeowners and auto insurance policies. This low cost policy is designed to protect your customers and their families against a catastrophic lawsuit or judgment.