Insurance for Excess Personal Umbrella
Coverage is designed for applicants who desire higher limits and already have a personal umbrella policy.
Target Risks: (Not limited to those below)
- Risks with an existing primary umbrella with another carrier but desire higher umbrella limits
- Unlimited number of drivers of any age
- Unlimited number of automobiles and recreational vehicles and boats not exceeding 75 feet and 50 mph
- Up to 25 one-to-four family residential locations
- Celebrity and high-profile applicants
- Farm exposures covered by a primary personal umbrella subject to Farm and Ranch Owners Hit Zone Product Underwriting Guide eligibility
- Households with:
- Motorcycles
- Drug or alcohol-related offenses in the last five years*
- Up to 10 convictions for moving violations in the last three years*
- Up to five at-fault accidents in the last three years*
- And more!
Ineligible for Online Quoting:
Please note we cannot offer coverage to the following:
- Risks in the name of an entity other than an individual, husband and wife, civil union, etc.
- Underlying coverage written on a commercial form (exception is business auto)
- Household individuals convicted of a felony in the past five years
- Household totals for driving history exceed acceptable maximums
- Operator over age 22 with a DUI lives in same household as a youthful operator
- Primary residence located in AK, LA or WV
Available Coverage for Excess Personal Umbrella
Coverage is available for:
- High profile individuals
- Applicants with poor driving records including driving under the influence
- Youthful operators under age 23 and operators over age 69
- Boats up to 75 ft. in length and speeds up to 50 mph
- Up to four at fault accidents per household
- Drivers with up to five violations
- Households with up to 10 violations among all drivers
- Risks with farm or ranch locations
Coverage Limits Available for Excess Personal Umbrella
- Up to $10,000,000 for preferred risks and up to $5,000,000 for all other risks/all risks in FL
- $1,000,000 for risks in AL, IN, MS, NH or VT as well as risks in FL with youthful operators
- Minimum underlying requirement of $1,000,000 primary personal umbrella
Claim Example for Excess Personal Umbrella
You own a beach house with some friends. While renting the property out to others over a weekend, the renters have a party and someone falls off the rear deck and breaks his/her legs, resulting in several surgeries. You’re sued for medical expenses and pain and suffering. Your underlying homeowners policy paid $300,000 and we paid an additional $225,000
You own several Harley-Davidson motorcycles. Your underlying automobile carrier will not increase limits over $100,000/$300,000. A chain reaction accident occurs involving a tractor trailer and Bodily Injury to all claimants exceeds the underlying automobile limits. The underlying auto carrier paid the limit of $300,000 and we paid an additional $200,000
You are using your brand new jet ski on a lake. You don’t see a water skier who is already in the water preparing to make another run. You accidentally strike the water skier, who is injured severely. The underlying watercraft carrier paid $500,000 in Bodily Injury limit and we paid and additional $1,000,000