Personal Umbrella Insurance

Overview of the Program from J.M. Wilson Corp.

J.M. Wilson Corp. offers primary, excess and target personal umbrella solutions written through admitted and non-admitted markets to give agents flexible placement options. Limits are available up to $5 million, and the program is designed to handle standard household umbrella exposures as well as higher-profile and higher-risk applicants that need broader capacity than standard markets provide.

Ideal accounts and appetite

• Private individuals and families seeking higher liability limits above homeowners and auto policies
• High-net-worth or high-profile insureds who need specialized umbrella follow-form coverage
• Clients with non-standard driver histories (including DUIs or youthful drivers) — subject to underlying limit requirements
• Households with recreational exposures: boats, ATVs, motorcycles, snowmobiles and in-home business operations

Coverage highlights and advantages

• True umbrella coverage that drops down over primary liability limits when required
• Flexible underlying limit allowances for primary and excess placements
• Programs tailored for celebrity/public-figure exposures with enhanced limits and forms
• Quick turnaround and responsive underwriting — helpful when clients need timely bindable options

Underwriting notes

• Typical underlying limit expectations: CPL 300 CSL; autos generally 250/500/100 or 500/500/100 for target accounts
• Program is willing to consider youthful drivers and certain driving violations; specific acceptances are determined by underwriting review
• Named insured may be an individual, trust, estate or LLC — useful for complex ownership or estate planning situations
• For high-profile target placements, expect higher underlying auto limits and tailored forms
• J.M. Wilson represents a mix of admitted and non-admitted carriers — placement will depend on state availability and risk characteristics

Territories and availability

This program is available in: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. Placement options may vary by state based on admitted vs. excess & surplus capacity.

Why work with J.M. Wilson on personal umbrella business

• Market access — multiple admitted and E&S carriers provide flexibility to place non-standard and complex accounts
• Underwriting support — direct access to experienced underwriters and online rating tools speeds quoting
• Service-oriented — fast turnaround, direct billing options, and underwriting consultation help you close business
• Specialized programs — target offerings for high-profile insureds and excess follow-form solutions when primary umbrella exists

Example scenarios

• You have a homeowner with a DUI on their record and recreational watercraft exposure: J.M. Wilson’s primary umbrella may provide $1M–$5M limits with acceptance of certain alcohol-related violations.
• A local actor needs higher liability limits and follow-form excess coverage over an existing umbrella: J.M. Wilson’s target/excess options can be evaluated to match the underlying forms.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.