Personal Umbrella - Excess

Family and daily activities result in lawsuit exposures every day; Personal Umbrella Insurance is a small price to pay for peace of mind!

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

Quoting & Applications

Log in to obtain applications, additional info, or quote online.
*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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