Umbrella Liability Insurance is like a safety net that can protect you from the unexpected incidents that life throws your way. Just as an umbrella shields you from the rain, this type of insurance provides added protection beyond what your other policies cover. It can help safeguard your assets and provide peace of mind in the event of a lawsuit or liability claim.
In today's litigious society, it has become increasingly important to have adequate protection against potential legal action. Umbrella Liability Insurance can provide an additional layer of coverage that goes beyond what your homeowners or auto insurance policies offer.
This article will explore the definition and benefits of Umbrella Liability Insurance, as well as its coverage limits, types of claims covered, exclusions and limitations, and additional resources for further information.
Whether you are a homeowner, business owner, or simply want to protect yourself financially, understanding Umbrella Liability Insurance is essential in today's uncertain world.
- Definition and Explanation of Umbrella Liability Insurance
- Benefits of Umbrella Liability Insurance
- Coverage Limits and Deductibles
- Types of Claims Covered
- Exclusions and Limitations
- How to Determine Your Coverage Needs
- Factors That Affect Premiums
- How to Buy Umbrella Liability Insurance
- How to File a Claim
- Frequently Asked Questions
Definition and Explanation of Umbrella Liability Insurance
The policy that extends beyond the limits of primary coverage to provide an additional layer of security against potential financial losses resulting from lawsuits or other liability claims is commonly known as supplementary liability insurance.
Also called umbrella liability insurance, this type of policy can cover a variety of scenarios such as property damage, bodily injury, and legal defense fees. It is important to note that umbrella liability insurance does not provide coverage for intentional harm caused by the policyholder.
The benefits of umbrella liability insurance are many. For instance, it can help protect your assets in case a lawsuit exceeds the limits of your primary coverage. Additionally, it may cover expenses that are not included in your standard policies such as libel or slander claims.
However, it's essential to understand that there are limitations to what this type of insurance can do. For example, it may not cover incidents related to business activities or criminal acts.
Determining how much umbrella liability insurance you need depends on personal circumstances such as income level and net worth. A general rule of thumb is to purchase enough coverage to protect all assets and future earnings from potential lawsuits.
Consulting with an experienced insurance agent can help you determine the appropriate amount for your specific situation.
With this information in mind, let's explore some of the benefits associated with obtaining an umbrella liability insurance policy.
Benefits of Umbrella Liability Insurance
Umbrella liability insurance offers multiple benefits to policyholders, including added protection, higher coverage limits, and cost-effectiveness. With flexible coverage options tailored to the specific needs of the insured, umbrella liability insurance provides peace of mind by protecting against unforeseen events that could result in devastating financial losses.
An academic writing style that is objective and impersonal would be appropriate for discussing these key points in detail.
This supplemental coverage acts as a shield against unexpected financial storms, providing an extra layer of security for individuals seeking to fortify their defenses against potential risks. With umbrella liability insurance, one can mitigate the risk of losing assets and financial stability in case they are held liable for damages that exceed their primary policy limits.
This added protection is especially beneficial for those who participate in activities with higher liability risks, such as operating a business or owning rental properties. Furthermore, umbrella liability insurance not only provides financial security but also peace of mind. It allows individuals to focus on what is important without worrying about the potential consequences of unforeseen events.
With this type of coverage, one can rest assured that they have taken steps towards effective risk management and have secured themselves and their family's future from any eventualities that might arise beyond their control.
This level of protection is vital in today's uncertain world where accidents and lawsuits happen every day without warning. As such, it is imperative to consider purchasing an umbrella liability policy to shield oneself from these unpredictable situations.
With added protection comes the benefit of higher coverage limits. Therefore, it is essential to understand how this type of policy works and how it differs from other types of insurance policies before making a decision on whether or not to acquire it.
Higher Coverage Limits
By opting for higher coverage limits through supplemental policies, individuals can safeguard themselves against potential financial disasters and experience a sense of security that is invaluable in today's unpredictable world.
Umbrella liability insurance provides additional protection beyond the limits set by primary insurance policies such as auto or home insurance. With higher coverage limits, individuals can protect their assets from lawsuits and claims that exceed the standard policy limit.
Of course, higher coverage limits come at a cost – in the form of a higher premium. However, it is important to weigh this cost against the potential financial impact of not having sufficient coverage when an unexpected event occurs.
Before opting for higher limits, it is crucial to conduct a thorough risk assessment to determine one's exposure to risks and liabilities. This way, individuals can make informed decisions about what level of coverage they need to adequately protect themselves and their assets.
Increasing coverage limits can provide a cost-effective solution for mitigating financial risks and liabilities, as it offers additional security against unforeseen events that may cause significant damage to one's assets. Umbrella liability insurance is no exception to this rule.
It covers not only the policyholder but also their family members and even pets in case they accidentally harm someone or damage their property.
A single lawsuit can exhaust all the traditional insurance policies' limits, leaving the policyholder vulnerable to pay out of pocket for legal expenses and damages awarded by the court. However, with umbrella liability insurance, policyholders have an added layer of protection that can cover up to millions of dollars in damages.
Benefits and limitations make umbrella liability insurance a unique product when comparing it with other types of insurance. Its main advantage is that it provides additional coverage beyond existing policies like homeowners, auto, or boat insurance at a relatively low cost compared to increasing the limits on each individual policy separately.
On the other hand, some limitations apply based on the type and amount of coverage purchased or specific exclusions stated by insurers. It is essential to consult with an agent or read carefully through the contract before purchasing such insurance to avoid misunderstandings in case of claims.
Overall, umbrella liability insurance offers more comprehensive protection against unexpected events than standard policies alone and ensures peace of mind for those who want extra layers of security.
With its many benefits in mind, let us now move on to discussing flexible coverage available through umbrella liability insurance options without any interruption.
Flexibility in coverage options allows policyholders to tailor their insurance plans to their specific needs and mitigate potential financial risks without compromising their overall financial stability.
With umbrella liability insurance, policyholders can choose customized options that fit their unique financial situation. For instance, individuals with multiple properties or a high net worth may opt for higher limits and broader coverage than those with fewer assets.
The following table provides an illustration of some customizable options available in umbrella liability insurance:
|Additional Liability Limits||Offers increased protection against lawsuits|
|Worldwide Coverage||Covers claims outside the United States|
|Employer Liability Insurance||Protects businesses from employee claims|
|Uninsured/Underinsured Motorist Protection||Provides additional protection when other drivers are uninsured or underinsured|
|Legal Defense Costs||Covers legal fees associated with defending against lawsuits|
These flexible coverage options provide peace of mind for policyholders knowing they have comprehensive protection tailored specifically to their needs.
Peace of Mind
The ability to customize coverage options according to individual needs and mitigate potential financial risks provides a sense of security for policyholders, allowing them to rest assured that their assets are well-protected.
Umbrella liability insurance offers the benefits of peace of mind by providing an added layer of protection beyond what traditional insurance policies cover. With the unpredictable nature of accidents and lawsuits, umbrella insurance can provide greater assurance that policyholders will not face devastating financial consequences in the event they are held liable for damages.
To further enhance the peace of mind provided by umbrella liability insurance, policyholders can take advantage of additional benefits such as access to legal resources and expert guidance from insurance professionals.
These benefits can help ease the stress and uncertainty that often accompany legal disputes, allowing policyholders to focus on resolving issues rather than worrying about costly legal fees or settlement payments.
The importance of peace of mind in insurance cannot be overstated, as it allows individuals and businesses alike to operate with confidence knowing that they have taken proactive steps to protect themselves against potential financial hardships.
As important as it is to have adequate coverage, it is equally crucial for policyholders to understand their coverage limits and deductibles.
Coverage Limits and Deductibles
Understanding the precise coverage limits and deductible options associated with any insurance policy is critical to ensuring that individuals have sufficient protection in the event of unexpected events.
Umbrella liability insurance typically provides additional coverage above and beyond an individual's primary insurance policies, such as auto or homeowner's insurance. The coverage limits for umbrella liability insurance are usually high, ranging from $1 million to $10 million or more.
In addition to coverage limits, it is important to consider the deductible options when selecting an umbrella liability policy. A deductible is the amount an individual must pay out-of-pocket before their insurance kicks in.
With umbrella liability insurance, deductibles can range from a few thousand dollars up to tens of thousands of dollars. Higher deductibles often result in lower premiums, but individuals should consider their ability to pay the deductible if they need to file a claim.
To better understand how coverage limits and deductible options impact the cost and protection provided by an umbrella liability policy, refer to the table below:
|Coverage Limit||Annual Premium||Deductible|
Understanding these factors can help individuals make informed decisions about their umbrella liability coverage needs.
Types of Claims Covered
Umbrella liability insurance provides added protection for policyholders by covering various types of claims, including bodily injury, property damage, and personal injury.
Bodily injury claims typically involve physical harm caused to another person due to the policyholder's negligence or fault.
Property damage claims cover any damages inflicted on someone else's property due to the policyholder's actions or negligence.
Personal injury claims are broader in scope and can include defamation of character, invasion of privacy, false arrest or imprisonment, and other similar claims.
Understanding these types of claims covered by umbrella liability insurance is essential in ensuring comprehensive protection against unforeseen liabilities.
The section on bodily injury covers compensation for injuries sustained by individuals who are harmed as a result of the insured's actions. This type of claim is common in situations where the policyholder's negligence results in an accident that causes harm to another person.
For instance, if a policyholder fails to maintain their property or equipment and someone gets hurt as a result, they may be held liable for the individual's medical expenses, lost wages, and other related costs.
Umbrella liability insurance can help protect policyholders from the financial burden of such claims. By preventing accidents through regular maintenance and upkeep of property and equipment, individuals can avoid legal implications and reduce their chances of being sued for bodily injury.
In the event that an accident does occur, however, umbrella liability insurance can provide additional coverage beyond what standard policies typically offer. With this added protection, policyholders can have peace of mind knowing that they are financially secure in case something goes wrong.
The subsequent section will cover how umbrella liability insurance addresses property damage claims.
Property damage claims are a common occurrence in various situations, and it is crucial to understand the financial implications that can arise from such incidents. Causes of property damage can range from natural disasters to accidents caused by human error.
It is important to note that property damage claims not only involve the cost of repairs or replacement but also include indirect expenses like loss of use, business interruption, and rental costs.
Reporting property damage in a timely manner is essential in mitigating further losses. Delayed reporting can result in additional damages, higher repair costs, and even legal consequences.
Property owners should document the incident with photos or videos and contact their insurance provider immediately. Neglecting to report an incident may cause delays in processing claims or even result in denial of coverage.
By promptly reporting property damage, individuals can ensure swift resolution and minimize financial repercussions.
Understanding the financial and legal implications of personal injury claims is crucial in mitigating the consequences of accidents caused by human error or negligence.
Personal injury refers to harm inflicted on a person's physical, emotional, or mental well-being. In such cases, liability insurance provides coverage for any injuries sustained by an individual due to the policyholder's actions. This type of insurance covers medical expenses, lost wages, pain and suffering, and other related costs.
Personal injury claims can be costly in terms of both time and money. Legal implications may arise if the injured party decides to sue the responsible party for damages. This can result in lengthy court proceedings that could potentially cost thousands of dollars in legal fees alone.
Without adequate liability coverage, individuals may find themselves financially devastated from paying out-of-pocket for damages awarded to the injured party. It is therefore essential for individuals who own property or engage in activities that pose potential risks to purchase umbrella liability insurance as an added layer of protection against personal injury claims.
In conclusion, while umbrella liability insurance provides ample protection against various forms of personal injury claims, there are limitations and exclusions that policyholders should be aware of before investing in this coverage option.
Exclusions and Limitations
This section delineates the scope of coverage, establishing boundaries and barriers that shield against potential vulnerabilities in a manner akin to a fortress defending against an enemy siege. While umbrella liability insurance offers added protection for personal injury claims, it is crucial to understand its limitations.
Exclusions and limitations can create coverage gaps and policy restrictions that may leave you vulnerable in certain situations. One major exclusion to be aware of is intentional acts. If you intentionally cause harm or damage, your umbrella policy will not cover it.
Additionally, some policies may have specific exclusions for things like sexual harassment or discrimination claims. It's important to carefully review your policy to know what is covered and what isn't.
Another limitation of umbrella liability insurance is the amount of coverage available. Most policies offer between $1 million and $5 million in additional coverage, which may not be enough depending on your assets and potential risks.
Additionally, some policies may have restrictions on the types of incidents they cover or only apply after other insurance policies have been exhausted.
Understanding these exclusions and limitations is crucial when determining your overall insurance needs. In the next section, we'll explore how to evaluate your risks and determine the appropriate level of coverage for your unique situation.
How to Determine Your Coverage Needs
The process of evaluating risks and determining the adequate level of coverage is crucial when seeking to secure comprehensive protection against potential vulnerabilities. When it comes to umbrella liability insurance, there are several factors that should be taken into consideration for determining coverage needs.
The first step is to assess risk factors, which may vary depending on individual circumstances. One key factor in assessing risk is the assets owned by an individual or business. The more valuable assets one possesses, the higher the likelihood of being sued for damages.
In addition, occupation and lifestyle can also play a role in determining risk factors. For instance, those who engage in high-risk activities or occupations such as doctors or lawyers may require higher levels of coverage than someone who has a more stable lifestyle.
Another important aspect to consider when determining coverage needs is the amount of liability protection provided by existing insurance policies. In some cases, existing policies such as auto or home insurance may not provide sufficient coverage in case of a lawsuit. An umbrella policy can help fill these gaps and provide additional protection beyond what traditional policies offer.
In conclusion, determining adequate coverage needs for umbrella liability insurance requires a careful evaluation of various risk factors such as asset ownership, occupation and lifestyle, and existing insurance policies.
By taking these variables into account, individuals can ensure they have comprehensive protection against potential vulnerabilities that could result in financial ruin if left unprotected. Moving forward into factors that affect premiums, it's important to understand how these variables impact the cost when considering purchasing umbrella liability insurance.
Factors That Affect Premiums
Premiums for comprehensive coverage are influenced by a variety of factors, which must be carefully considered in order to ensure that one is obtaining the best value for their investment.
One of these essential factors is risk assessment. Insurance companies evaluate your likelihood of filing a claim based on several variables such as your age, occupation, driving record, and credit score. If you pose a higher risk, then you can expect to pay more for coverage.
Another factor that affects premiums is the underwriting process. This process involves analyzing data from multiple sources and determining the level of risk associated with each applicant.
The underwriter will assess information such as past claims history and current liability exposures to determine how much coverage an individual needs and what premium they should pay. For example, if you own rental properties or have high net worth assets, you may need more comprehensive coverage than someone who does not.
Lastly, it's important to note that different insurance providers may weigh these factors differently when setting their premiums. For this reason, it's crucial to shop around before making a final decision on an umbrella liability insurance policy.
By comparing quotes from multiple insurers and evaluating the terms and conditions of each policy alongside their respective premiums, you can find the right balance between cost and protection.
With this knowledge in mind about what influences pricing for umbrella liability insurance policies; let's explore how to buy them effectively without breaking the bank in our subsequent section.
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How to Buy Umbrella Liability Insurance
When it comes to buying umbrella liability insurance, there are a few key points to keep in mind.
First and foremost, it's important to choose an insurer that you trust and feel comfortable with.
Additionally, taking the time to fully understand policy terms and conditions is crucial in order to ensure that you're getting the coverage that you need.
Finally, getting quotes from multiple providers can help you compare options and find the best value for your money.
By considering these factors carefully, you can make an informed decision and protect yourself against unexpected liabilities.
Choosing an Insurer
Selecting an insurer is akin to choosing a captain for your ship, as the decision can greatly impact the safety and success of your journey toward financial stability.
When it comes to choosing an insurer for umbrella liability insurance, it is essential to do thorough research. This involves comparing policies from different insurers, evaluating their reputation through customer reviews, and considering their financial stability.
Comparing policies allows you to understand what each insurer offers in terms of coverage and price. Customer reviews are also crucial in assessing an insurer's reliability and quality of service. It's important to choose an insurer that has a good reputation with its customers since they will be the ones dealing with any claims or issues that may arise.
Lastly, looking into the financial strength of an insurer can give you peace of mind knowing that they have the capability to pay out on your policy if needed. Understanding policy terms and conditions is another critical step toward securing adequate protection under umbrella liability insurance.
Understanding Policy Terms and Conditions
A thorough understanding of the policy terms and conditions is crucial for ensuring adequate coverage under umbrella liability insurance. It is important to carefully review the policy exclusions, as they may limit or exclude certain types of claims.
For example, some policies may exclude coverage for intentional acts or criminal behavior, while others may exclude coverage for claims arising from certain types of recreational activities.
Common misconceptions about umbrella liability insurance can also lead to inadequate coverage. One such misconception is that this type of insurance only applies to wealthy individuals with significant assets. In reality, anyone who could potentially face a large lawsuit should consider purchasing umbrella liability insurance.
Understanding the policy terms and conditions can help prevent costly surprises in the event of a claim. To ensure you are getting adequate protection at a reasonable cost, it is important to get quotes from multiple insurers.
Understanding the terms and conditions of an umbrella liability insurance policy is just the first step toward securing your financial future. Once you have a clear understanding of what you need, it's time to start shopping around for quotes from different insurance providers.
Comparing quotes is an essential part of finding the best possible coverage at a price that works for you. To make sure you're getting accurate quotes, it's important to provide each insurance provider with identical information about your assets and liabilities.
This will help ensure that each quote represents an apples-to-apples comparison between different providers.
Some factors that may affect pricing include:
- The amount of coverage you need
- Your net worth
- Your occupation or profession
- Any additional risks associated with your lifestyle
By taking the time to compare quotes from multiple providers, you can make sure that you're getting comprehensive umbrella liability coverage at a fair price. Once you've found a policy that meets your needs, it's important to review all of the terms and conditions carefully before signing on the dotted line.
As soon as you are done comparing quotes and purchasing your preferred umbrella liability insurance policy, then comes the next crucial step – filing claims in case covered losses occur unexpectedly or accidentally.
How to File a Claim
When the unexpected happens and you need to file a claim on your umbrella liability insurance policy, there are several key steps that you should take.
First, it is important to contact your insurer as soon as possible to start the claims process.
From there, you will need to provide documentation of the incident in question in order for your claim to be processed.
Finally, working with claims adjusters can help ensure that your claim is handled fairly and efficiently.
By following these steps, you can navigate the claims process with confidence and ease.
Contacting Your Insurer
The process of reaching out to one's insurer involves establishing direct communication channels with the insurance company, enabling policyholders to obtain necessary information and support.
It is important for policyholders to promptly contact their insurer when an incident occurs that may result in a claim. This allows the insurer to investigate, evaluate, and potentially settle the claim as soon as possible.
When purchasing umbrella liability insurance, it is essential to understand the terms and conditions of the policy, including what types of incidents are covered and how much coverage is provided. Comparing costs between different insurers can also help ensure that policyholders obtain adequate protection at a reasonable price.
To effectively contact one's insurer, policyholders should have their insurance policy number readily available along with any relevant details about the incident or claim they wish to report. Insurers typically provide multiple avenues for contacting them, such as phone numbers, email addresses, or online portals.
Once contact has been made with the insurer, they will provide guidance on the next steps which may include providing documentation such as photos or written statements about the incident in question.
Providing sufficient documentation to one's insurer in a timely manner is imperative for a successful claim settlement and can alleviate the stress and anxiety that often accompanies unexpected incidents.
Documenting claims includes taking photographs of any damage or injuries, obtaining police reports or witness statements, and keeping receipts for any expenses incurred as a result of the incident.
It is important to promptly report any incidents to the insurer, as delays may cause complications with the claims process.
The importance of prompt reporting cannot be overstated, as it allows the insurer to conduct their investigation while evidence is still fresh and readily available.
This also enables them to quickly assess damages and determine whether coverage applies.
When submitting documentation, it is crucial to provide accurate information that supports your claim without exaggerating or misrepresenting facts.
Doing so can lead to delays in processing your claim or even denial of coverage.
Proper documentation helps ensure a smoother claims process, allowing you to focus on recovering from the incident at hand.
Transitioning into working with claims adjusters: After providing sufficient documentation, insurers will typically assign an adjuster who will investigate your claim and work with you throughout the settlement process.
Working with Claims Adjusters
This section will discuss the process of working with claims adjusters, who are responsible for investigating a claim and guiding the insured through the settlement process. Dealing with adjusters can seem intimidating, but it is important to remember that they are there to help.
The first step in working with an adjuster is to provide them with all necessary documentation related to the claim. This includes police reports, medical records, and any other relevant information that can help support your case.
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Frequently Asked Questions
How does umbrella liability insurance differ from other types of liability insurance?
When considering liability insurance, it is important to understand the key differences that exist between various types of policies.
One such policy is umbrella liability insurance, which provides an additional layer of protection beyond what is offered by standard liability insurance.
The primary benefit of umbrella insurance lies in its higher coverage limits and a broader range of coverage options.
While traditional liability policies may cover damage or injury up to a certain amount, umbrella policies can extend that coverage significantly and may even cover damages that are not included in other policies.
Additionally, umbrella insurance can provide protection for legal fees and other expenses associated with defending against a lawsuit.
Overall, the benefits of umbrella liability insurance make it a valuable addition to any comprehensive risk management plan.
Can umbrella liability insurance be used to cover damages from a personal injury lawsuit?
In the event of a personal injury lawsuit, compensation eligibility is determined by legal requirements.
It is important to note that umbrella liability insurance can be used to cover damages from such lawsuits.
In fact, according to a recent study, approximately 10% of personal injury cases result in damages exceeding $1 million. This highlights the potential financial strain that individuals and businesses may face without adequate coverage.
Additionally, it is worth noting that not all types of liability insurance provide sufficient protection in these scenarios.
Therefore, umbrella liability insurance serves as an essential safeguard for those seeking comprehensive coverage against unforeseen events and legal liabilities.
Is there a maximum amount of coverage that can be obtained through umbrella liability insurance?
When it comes to obtaining umbrella liability insurance, there are both benefits and limits in terms of coverage.
A key factor affecting the amount of coverage is the policy limit – this represents the maximum amount that an insurer will pay out for any given claim.
While some policies may have lower limits, others offer much higher ones, potentially reaching into millions of dollars.
Other factors that can affect coverage include the type and level of risk involved, as well as any exclusions or restrictions included in the policy itself.
Ultimately, it is important for individuals to carefully consider their specific needs when selecting an umbrella liability insurance policy, taking into account both the potential benefits and limitations associated with different options available on the market.
Are there any exclusions for claims related to intentional acts or criminal activity?
Intentional acts exclusions and criminal activity exclusions are two important issues to consider when it comes to liability insurance. While umbrella liability insurance provides an added layer of protection for individuals, it is important to understand that intentional acts or criminal activity may be excluded from coverage.
These exclusions are put in place to protect insurers from having to cover damages caused by individuals who intentionally cause harm or engage in illegal activities.
It is crucial for policyholders to carefully review their policy and understand the specific exclusions that apply, as failure to do so could result in denial of coverage when a claim arises.
While umbrella liability insurance can provide valuable protection, it is important to ensure that policyholders fully understand the terms and conditions of their coverage.
Can umbrella liability insurance be purchased as a standalone policy or is it typically added as an endorsement to an existing policy?
Umbrella liability insurance can be purchased as a standalone policy or added as an endorsement to an existing policy.
Choosing whether to purchase a standalone policy or add it as an endorsement depends on the individual's needs and cost comparison.
A standalone umbrella policy may provide more comprehensive coverage, but it could also be more expensive than adding it to an existing policy.
Before making a decision, it is important to review the coverage options and compare costs from different insurers.
It is recommended to consult with a licensed insurance professional who can help determine which option is best suited for specific needs and budget.
Umbrella liability insurance provides added protection to policyholders beyond the limits of their primary insurance policies. This type of coverage is essential for individuals and businesses that want to safeguard their assets and finances against unexpected events.
Benefits of umbrella liability insurance include increased coverage limits, broader protection against a variety of claims, and reduced financial risk in case of lawsuits or other legal action.
While there are limitations to what types of claims can be covered by umbrella liability insurance, it does provide an extra layer of security for policyholders. It is important to understand the exclusions and limitations associated with this type of coverage, as well as the different types of claims that can be covered.
By doing so, individuals and businesses can make informed decisions about whether or not umbrella liability insurance is right for them.
One potential objection to purchasing umbrella liability insurance may be the cost associated with this additional coverage. However, when compared to the potential financial ramifications of being underinsured in case of a catastrophic event or lawsuit, the investment in additional protection may be worth it.
Visual representations such as graphs or charts can help illustrate these concepts more clearly and aid in decision-making.
In conclusion, investing in umbrella liability insurance provides peace of mind and financial security for individuals and businesses alike.
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