Insurance for Excess Personal Umbrella

Coverage is designed for applicants who desire higher limits and already have a personal umbrella policy.

Ineligible Excess Personal Umbrella

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