Personal Umbrella Products

Primary Umbrella is designed for both the Preferred and Non-standard market

  • We provide limits up to $5,000,000
  • The named insured may be an individual, estate, trust or LLC
  • Automobiles may be accepted with $250,000/$500,000/$100,000 underlying limits. Automobiles in a corporation’s name where the named insured owns the corporation are acceptable. Automobiles include motorcycles, ATV’s snowmobiles and mopeds
  • Youthful drives are acceptable with lower underlying auto limits of $250,000/$500,000/$100,000 and with MVR activity
  • Drivers with MVR activity, multiple accidents or alcohol related violations are acceptable
  • Residences including secondary locations require underlying CPL limits of $300,000 CSL
  • Rental units may be written with underlying CPL limits of $300,000 CSL
  • Watercraft will be considered with underlying limits of $300,000 CSL or $500,000 CSL depending on horsepower 
  • Vacant land and farms are also acceptable with underlying limits of $300,000 CSL

Excess Umbrella is written excess of another carrier’s umbrella policy. All of the primary umbrella guidelines determine acceptability with the exception of primary underwriting limits. We offer limits up to $5,000,000.

Target Umbrella may be written as a primary or excess coverage with limits offered up to $5,000,000. This product is designed for high profile individuals such as:

  • Actors and Actresses
  • Local Radio and/or TV Personalities
  • Writers, Producers, Directors for TV and movies
  • Best Selling Authors
  • Professional Sports figures
  • Musicians (rock, pop, country, rap, etc.)
  • Anyone else with instant recognition

Underlying automobile limits of $500,000/$500,000/$100,000 are required ($250,000/$500,000/$100,000 may be acceptable depending upon the risk). Underlying CPL limits of $300,000 CSL are required for residences, rentals, land and farms. Watercraft limits of $500,000 CSL are required ($300,000 CSL may be acceptable depending upon the risk). All other Primary Umbrella and Excess Umbrella guidelines apply.

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Personal Umbrella