High-Risk Personal Umbrella Coverage from MAXIMUM
When standard umbrella markets decline, MAXIMUM provides a solution. Our Personal Umbrella – High Risk program is built specifically for challenging personal-lines exposures that fall outside typical underwriting guidelines. Whether you’re placing households with multiple drivers, high-value assets, or complex claims histories, MAXIMUM gives you the underwriting flexibility and excess liability limits to deliver reliable protection.
Ideal Accounts and Appetite
This program is designed for accounts that don’t fit into preferred umbrella markets. We welcome:
*Eligibility depends on total incidents per driver
Typical fits include families with multiple teenage drivers, boat owners with prior claims, and retired clients with older recreational vehicles and complex driving histories.
Coverage Highlights and Advantages
MAXIMUM’s high-risk umbrella offers broad protection and several market advantages:
Insureds also gain access to value-added Business Solution Vendors such as:
- Human resources services
- Pre-employment and tenant screenings
- Identity-theft protection
- Motor vehicle reports
Underwriting Notes and Minimum Requirements
To qualify, accounts must meet minimum underlying limits and other requirements:
Ineligible risks include:
Territories and Availability
The program is available in most states, including AL, AZ, CA, CO, FL, IL, NY, TX and others. Specific underwriting limitations apply in certain states:
Why Work with MAXIMUM
MAXIMUM is a wholesale broker with deep expertise in tough-to-place personal-lines risks. Our underwriters move quickly and apply flexible, disciplined underwriting to secure the best available excess solutions for difficult accounts. We focus on service, timely response, and pragmatic solutions when your client’s needs extend beyond standard market appetite.
When standard markets won't bind, MAXIMUM helps you place High Risk Personal Umbrella Insurance with appropriate limits and policy features. Reach out today by phone or email to discuss an account or request a quote.
Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits households with youthful or elderly drivers, multiple vehicles or recreational units, or a history of claims or violations that make them ineligible for standard umbrella markets.
What is the maximum umbrella limit available?
The maximum limit available is $5 million, though certain states and specific risk profiles may limit capacity to $1 million.
Are households with DUI convictions eligible?
Households with one drug- or alcohol-related offense in the past five years may be eligible. Drivers with more than one major violation or a DUI combined with a youthful operator in the same household are typically ineligible.
What underlying coverages are required?
Underlying limits typically include $300,000 personal liability and $500/$500/$100 or $500,000 CSL for autos and watercraft. Recreational vehicles require lower underlying limits as noted in underwriting minimums.
Is this program available in all states?
The program is available in most states, but not in AK, LA, or WV. Certain states have specific underwriting restrictions or maximum limits—confirm availability early in the submission process.
Need help placing an account? Connect with a market specialist.