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Wayne Mutual offers three types of umbrella programs: the Personal Umbrella Liability Program, Farm Umbrella Liability Program and Commercial Umbrella Liability Program. These programs extend your protection beyond the liability limits of your basic Wayne Mutual automobile, homeowners, farmowners and commercial policies.  The base umbrella programs provide coverage to a limit of $1 million, with additional limits up to $5 million available.  Consult your local agent to find out which program will best suit your needs.

If you insure your auto and home, farm or business with Wayne Mutual, our Umbrella Programs can provide you with these important coverages anywhere in the world:

• Property damage -  for losses in excess of the liability limits of your automobile, homeowners, farmowners or personal liability insurance policies

• Bodily injury - for doctor bills, hospital expenses, ambulance bills and funeral expenses that may not be covered by your underlying policies

• Personal injury - for alleged acts of libel, slander, wrongful eviction, defamation of character, and other acts that may not be covered by your underlying policies

• Advertising liability -  for alleged publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; alleged publication of material that violates a person's right of privacy; alleged misappropriation of advertising ideas or style of doing business; or alleged infringement of copyright, title or slogan.

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.