Personal Umbrella Coverage for High Profile Clients
Bailey Special Risks, Inc. offers a specialized Personal Umbrella Insurance Program designed to meet the unique liability protection needs of high profile individuals. As a wholesale broker with deep experience in personal lines for affluent and high-net-worth clients, Bailey Special Risks connects agents and brokers with reliable coverage solutions backed by the United States Liability Insurance Group.
Ideal Accounts and Appetite
This program is tailored for clients who require higher liability limits and broader protection than standard policies offer. Ideal insureds may include:
- Executives and business owners
- Public figures and celebrities
- Affluent individuals with multiple homes, vehicles, or recreational assets
- Individuals engaged in high-profile or high-risk volunteer activities
You might have a client who drives a company-provided vehicle, serves on nonprofit boards, or owns multiple properties—this program delivers the umbrella protection they need to manage complex liability exposures.
Coverage Highlights and Advantages
Designed with the broad needs of high profile individuals in mind, this umbrella policy offers the following features:
- True Umbrella coverage that extends protection beyond underlying policies
- Personal injury coverage automatically included (if present in underlying policies)
- No self-insured retention required, simplifying claims response
- Broad definition of bodily injury for enhanced protection scope
- Coverage for employer-provided autos and vehicles used for business or executive transport
- Liability coverage for volunteer activities, including board participation and nonprofit involvement
- Limits available up to $10 million, accommodating the higher liability needs of affluent clients
Optional Coverages
- Excess personal auto liability
- Excess watercraft and personal watercraft buffer
- Primary comprehensive personal liability
- Excess comprehensive personal liability
- Dwelling fire product
- Apartment, condo, and renters product
Underwriting Notes
Bailey Special Risks offers flexible underwriting for a range of high-profile lifestyles. While no minimum premium is specified, underwriting will evaluate the insured’s profile, location, and risk exposures to determine eligibility and pricing. Clean loss histories and adequate underlying coverage are typically required.
Availability and Admitted Status
This program is written on a non-admitted basis through United States Liability Insurance Group. It is available to agents and brokers in the following states:
AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, WY
Why Place Business Through Bailey Special Risks
Bailey Special Risks has over three decades of experience helping agents place complex personal lines risks. Their knowledgeable underwriters understand the liability concerns of high profile individuals and offer tailored solutions to protect clients with expansive lifestyles and assets. As a wholesale broker, Bailey delivers fast turnaround, market access, and support that helps agents confidently serve their most demanding clients.
Frequently Asked Questions
What types of accounts are a good fit for this Personal Umbrella program?
This program is ideal for high-net-worth individuals, executives, public figures, and clients with complex personal liability exposures across multiple assets or properties.
What is the maximum limit of liability available?
Limits are available up to $10 million, subject to underwriting review and underlying coverage adequacy.
Is there a self-insured retention requirement?
No, this program does not require a self-insured retention, simplifying the claims process for your clients.
Can I include coverage for employer-provided vehicles?
Yes, coverage for autos provided by the client's employer is included within the umbrella policy.
In which states is this program available?
This Personal Umbrella program is available in most states, including CA, FL, NY, TX, and many others. Please refer to the full state list above for availability.
Need help placing an account? Connect with a market specialist.