Best in Snow: Critical Coverage for Hitting the Slopes

This post is part of a series sponsored by

There are nearly 53 million skiing and snowboarding visits in the U.S. according to the National Ski Areas Association and claims when accidents happen can be complicated.

Underlying insurance often falls short when the injured party needs it most. From real-world case study files: See how one standalone umbrella saved the (snow) day when things went downhill.

No Routine Run

Carol, a software developer, was looking forward to spending her birthday vacation on the slopes with friends. An experienced snowboarder, she set out on her third run of the day just as Tiffany was skiing down the mountain too fast, forcing her to lose control and crash into Carol.

Carol suffered a complete ACL tear requiring reconstruction, a shoulder fracture and a minor head injury, even though she was wearing a helmet — all of which prevented her from working for six months.

A Mountain of Money

After Tiffany’s homeowners liability limit was exhausted, her standalone personal umbrella policy covered Carol’s medical bills, loss of wages and pain and suffering — to the tune of $575,000.

Offer Insureds a Standalone Umbrella Quote in Minutes

Run a quote online with the basics, like number of cars, drivers and houses and then order it immediately without a signed application, without a premium, without the back and forth with underwriting.

About Daina Kawchack Smith, Chief Marketing Officer,

Daina Kawchack Smith is a respected leader in the field of personal umbrella insurance. With over 24 years of experience in the insurance industry, Daina brings a breadth of experience to help agents grow by sharing innovative ideas. Before being named chief marketing officer at, Daina was an independent agent, CSR and an underwriter for a Fortune 500 wholesaler. She is a licensed Nevada agent and holds a CISR designation. More from Daina Kawchack Smith, Chief Marketing Officer,

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