Insurance for Personal Umbrella Celebrity
Our product is designed for high-profile applicants such as professional athletes, politicians and celebrities. All risks for Celebrity Umbrella must be submitted to the home office.
Target Risks: (Not limited to those below)
- Professional athletes and coaches
- Fortune 100 Chief Executive Officers
- Nationally recognized musicians or entertainers, including actors, producers and directors
- Bestselling authors
- And more!
Ineligible for Online Quoting:
Please note we cannot offer coverage to the following:
- NBA or NFL athletes in their rookie season
- Artists performing controversial lyrics
- Risks in the name of a corporation
- Underlying coverage written on a commercial form (exception is business auto)
- Household individuals convicted of a felony in the past five years
- More than two major violations in the household
- 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 Personal Umbrella Celebrity
- High Profile: Individuals without national recognition such as local TV personalities, syndicated columnists, U.S. congressmen and producers or directors
- Celebrity: Applicants with national recognition such as mayors of large cities, best selling authors, CEOs of Fortune 500 companies, professional athletes other than those in the NFL or NBA and national TV personalities
- Target Celebrity: Applicants with instant face recognition and/or notoriety such as professional athletes in the NFL or NBA, actors and actresses with major motion picture or TV credits and popular musicians
- First dollar coverage for non-owned watercraft and recreational vehicles
- Worldwide coverage
- No self-insured retention
- Admitted in more than 40 states
Coverage Limits Available for Personal Umbrella Celebrity
- Coverage A limits up to $10,000,000 ($5,000,000,000 max in Florida)
- Minimum attachment points
- $500,000 combined single limit for homeowners or comprehensive personal liability exposure
- $500,000/$500,000/$100,000 or $500,000 combined single limit is required for auto, recreational vehicles and watercraft exposures
Claim Example for Personal Umbrella Celebrity
Fire: A contractor was clearing brush and debris from a work site in preparation for installation of a doublewide home. The area was dry and had not received any rain in over a month. While clearing debris, the engine compartment from a front-end loader came in contact with a pile of brush and caused it to ignite. The fire spread quickly and as a result, severely damaged the front-end loader being used, as well as another front-end loader that was in the vicinity but not in operation at the time.
Fire: The insured was using an excavator to clear land for a new subdivision. The excavator caught on fire. The fire started from wires around the battery making contact with combustible materials.
Overturned equipment: A general contractor was in the process of excavating a job site. The operator of a grader drove the equipment too close to the edge of a basement that was recently dug and still relatively unstable. The grader overturned and fell into the dug basement. Damage was caused to the cab, engine, and radiator of the grader.
Flood: A trencher was being used to dig water lines for a new subdivision. There was a small stream that flowed near the edge of the work site. Recent rains had caused the trenching work to stop for a few days, as the soil was saturated. The operator of the trencher moved it to what he thought was a safe distance from the stream. Another severe rainstorm came through the area causing the stream to flood. The trencher was caught up in the floodwater and swept downstream causing a total loss.