Personal Umbrella - High Risk

Expertise. Solution. Service.

Available Limits:
• $5 million maximum limit
• $1 million for risks in AL, MS, NH, or VT as well as risks in FL with youthful operators
• $1 million for risks in CT and ME with rental locations built prior to 1978
Preferred Business:
• Risks beyond Preferred/Standard Personal Umbrella
• Unlimited number of drivers of any age (drivers under age 23 and over age 85 are acceptable)
• Unlimited number of automobiles, recreational vehicles, and watercraft not exceeding 75 ft. and 50 mph
• Households with:

• Open claims or any claim over $50,000
• Up to 10 convictions for moving violations in the last 3 years*
• Up to 5 at-fault accidents in the last 3 years*
• Up to 1 drug or alcohol-related offenses in the last 5 years*

*The total number of driving incidents for any one driver may render that driver ineligible

Minimum Underlying Requirements:
• $300,000 personal liability or homeowners
• $500/$500/$100 or $500 combined single limit for automobiles and watercrafts
• A household with an operator age 90 or older require $1 million/$1 million/$100,000 or a $1 million Combined Single Limit U/L for the automobiles and watercraft
• $250/$500/$100 or $300 combined single limit for recreational vehicles
Ineligible Risk Characteristics:
• Risks in the name of a corporation
• Underlying coverage written on a commercial form (exception for business auto)
• More than one major violations in the household
• Operator over age 22 with a DUI lives in the same household as a youthful operator
• Primary residence located in AK, LA, or WV
Product Advantages:
• Dollar one coverage for non-owned recreational vehicles and watercraft under 26’ and under 301 HP
• Dollar one coverage for non-owned automobiles outside the U.S.
• Definition of bodily injury is expanded to include mental injury, anguish, humiliation, and shock
• No self-insured retention
• Defense outside the limit
• Pre and post-judgment interest coverage
• Multiple additional insureds can be added at no additional premium
• No deductibles
• Personal injury included if included on primary; buyback option available if excluded on primary
• Access to Business Solution Vendors, including:

• Human Resources services
• Pre-employment and tenant screenings
• Identity Theft protection
• Motor vehicle reports

We settle for nothing less than the best choices for our clients, and we put no limit on what we can do for your client's High Risk Personal Umbrella Insurance needs.

Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.

U.S. States Available

U.S. States Available:

Provider Type:

Wholesale Broker

Admitted:

Most Available States

Carriers:

Carrier Ratings:

AM Best Rating of A- or Better

Commission:

-

Min Premium:

-

Coverages:

High Risk Umbrella Insurance Personal Umbrella Insurance

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