Personal Umbrella - Excess

Product Features

• Insured’s residence may include vacant land
• Broad definition of bodily injury to include mental anguish
• Preferred and Standard
  - Limits up to $10,000,000 for preferred
  - Excess UM/UIM available
• Celebrity or High Profile
  - Limits up to $10,000,000 for preferred
  - Excess UM/UIM available
  - No self-insured retention
  - Priced appropriately
• Farm and Ranch Owners
  - Designed for family and gentleman farms with no commercial exposure
  - Limits up to $10,000,000 for preferred
  - Excess UM/UIM available
  - Farms up to 2,000 acres and 250 grazing animals/livestock
  - Farm operations may be conducted by insured or leased to a tenant

Why Personal Umbrella Insurance?

Insured’s assets are greater than their insurance liability
Insured hosts guests on their property
Insured owns watercraft or off-road vehicles
Insured owns rental properties

Eligible Risks

Named Insured:

• Individuals
• Trusts
• Estates
• LLCs
• Limited Partnerships

High Risk Households with:

• DUIs
• Multiple convictions
• Multiple accidents
• Youthful drivers with prior history

Celebrity or High Profile:

• Individuals in the public eye
• Professional athletes and coaches
• Entertainers
• CEOs of Fortune 500 Companies

*Coverage may not be available for all accounts or in all states

*Applications will apply to most markets but in certain circumstances additional applications may be needed

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