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Protect
Your Future with the Team-Mate Policy
Who would sue you
for a million dollars? The fact is, anyone could. Although
million dollar lawsuits were unheard of until just a few years
ago, suits of this magnitude are becoming all too common.
Unfortunately, in many cases, the person sued can do little
to prevent it. Here are some examples. Could you stop any of
these from happening?
• You are driving down the street and suddenly a small
child dashes in front of your car.
• A guest in your home trips and falls on your steps.
• Your son hits a ball that strikes another child in the
head.
These are all real situations that could happen to any of us.
When accidents like these happen, you could end up defending
yourself in a court of law. If you lose, this can mean losing
everything you own.
Even if you win, the cost of hiring an attorney might
literally bankrupt you — robbing you of your future.
Protect Your Finances
There is a way you can avoid needless worry about being sued
if someone sustains a serious injury on your property, in your
car or on your recreational vehicle.
Grinnell Mutual offers you a simple, low-cost way to protect
yourself and your family. We call it our Team-Mate Personal
Excess Policy.
One Million or More
With this unique policy, you will have an additional limit of
liability protection of $1 million or more — limits of $3
million are available. Here is how the policy works.
The Grinnell Mutual Personal Excess Policy builds on the
protection you already have — home, auto or recreational
vehicle coverage. It gives you an extra limit over and above
other policies.
Here's an Example
If you have $300,000 of liability coverage provided by your
Home-Guard or Farm-Guard policy and you purchase a Team-Mate
personal excess policy with a $1 million limit, you will have up
to $1.3 million in total liability coverage available to pay a
covered judgement.
Great Coverage at a Reasonable Price
Even though Grinnell Mutual's personal excess policy gives
you great coverage at very high limits, you will find the cost
very affordable. That's because for catastrophic losses, it
provides an extra level of security after existing policies have
been used for payment.
Don't take the chance of mortgaging your future, when
you can avoid it through this extremely affordable policy.
How are rates determined?
Each person's unique situation and lifestyle presents a
different exposure to liability loss. Your rate is determined by
some of the following factors:
• The number of properties you own, rent or farm, and
their size.
• The amount of cars, pickups, motorcycles or farm trucks
you own, lease or operate.
• The number of recreational vehicles you have licensed
for road use.
• The total number, size and power of any boats you have.
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