Personal Umbrella
Personal Umbrella

Coverage Highlights

Sample Carrier Policy Forms

Personal Umbrella


Our Primary Umbrella is designed for both the preferred and non-standard market. We provide limits up to $5,000,000


Coverages Considered

  • For Florida domiciled risks, CPL homeowner liability attachment of $100,000 if Citizens Property Insurance Corporation, Universal Property & Casualty, American Traditions, Homeowner's Choice, Heritage Insurance Company, FedNat Insurance Company, Capital Preferred Insurance Company, Monarch National Insurance Company, Southern Oak Insurance Company, or Slide Insurance is the underlying CPL
  • Monoline over other carriers with an AM Best or KBRA rating of B+ or better. Demotech rating of S is acceptable if AM Best/KBRA is not available.
  • Young drivers in the household considered
  • Motorcycles, jet skis, ATVs, mopeds, motor homes and golf carts considered
  • Farm Exposure considered if noncommercial (Gentleman's Farm)
  • Drivers over the age of 70 considered
  • Poor Driving Records
  • DUIs
  • Identity Theft Option

Coverage Highlights

  • Excess personal injury coverage
  • Worldwide coverage
  • No Self-Insured Retention
  • $25,000 Excess Uninsured Motorists Liability Limit automatically included if any underlying limit is provided

See policy form for exact terms, definitions, conditions, limitation, and exclusions.