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MAXIMUM
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MAXIMUM
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Personal Umbrella - Preferred/Standard

Expertise. Solutions. Service.


MAXIMUM offers a flexible, competitive Personal Umbrella - Preferred/Standard program designed for agents and brokers who need broad personal liability capacity for a wide range of clients. Whether your insureds are low-risk preferred individuals or standard households with more complex profiles, this program delivers tailored solutions backed by MAXIMUM’s wholesale expertise and strong carrier access.

Ideal Accounts and Appetite

Preferred Risks: • Clean driving records and favorable underwriting characteristics
• Drivers aged 23–75
• No accidents and up to 2 violations per household
• Households with up to 4 autos, 2 recreational vehicles, 2 watercrafts (under 26’ and 301 HP), and 1 additional residence Standard Risks: • Drivers aged 23–85; unlimited vehicles and recreational units (boats up to 75 ft. and 50 MPH)
• Households with up to 6 violations and/or 3 accidents
• Up to 25 residential locations (1–4 family units) This program is designed for clients who need liability protection above and beyond their homeowners, auto, or recreational policies. Typical fits include families with multiple vehicles and a vacation home, owners of recreational units, or clients who value defense costs outside the limit and broader liability wording.

Coverage Highlights and Advantages

Available Limits: • Up to $10 million in most states
• Up to $5 million for other risks and for all risks in Florida (state-specific limits may apply)
• $1 million for risks in AL, MS, NH, VT, or FL when youthful operators are present
• $1 million excess UM/UIM available for most risks (includes $25,000 at no charge) Key Policy Enhancements: • Dollar-one coverage for non-owned recreational vehicles and watercraft under 26’ and 301 HP
• Dollar-one coverage for non-owned autos outside the U.S.
• Expanded bodily injury definition to include emotional distress (mental injury, anguish, humiliation, shock)
• No self-insured retention; defense costs outside the policy limit
• Pre- and post-judgment interest covered
• Multiple additional insureds at no extra charge
• Personal injury coverage included if on the primary policy; buyback available if excluded
• $1 million limit available in CT and ME for risks with rental properties built pre-1978

Underwriting Notes and Risk Eligibility

Minimum Underlying Requirements: • $300,000 personal liability/homeowners
• Auto, watercraft, and recreational vehicles: $250/$500/$100 or $300 CSL
• Certain risk characteristics require $500/$500/$100 or $500 CSL Ineligible Risks: • Corporate-named risks
• Underlying coverage on commercial forms (except business auto)
• More than one major violation in the household
• DUI operator over age 22 living with a youthful operator
• Primary residences in AK, LA, or WV For higher-exposure clients, MAXIMUM also places specialized programs for High-Risk, High-Profile/Celebrity, and Farm/Ranch Owners Umbrella coverages.

Territories and Availability

This program is available in most states. MAXIMUM places coverage on an admitted basis in many jurisdictions; availability and admitted status vary by state. Current territories include AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.

Why Work With MAXIMUM?

As a wholesale broker with deep personal-lines experience, MAXIMUM delivers tailored umbrella solutions supported by consistent underwriting and responsive service. Agents gain access to top markets and value-added services that streamline placement and servicing. • Human resources tools
• Pre-employment and tenant screening services
• 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 Preferred/Standard 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 placing this business.

Frequently Asked Questions

What types of accounts are a good fit for MAXIMUM’s Personal Umbrella program?

Ideal accounts include households with clean driving records, multiple vehicles, recreational units, or secondary residences that require higher personal liability limits than the primary policies provide.

Are youthful drivers allowed under this program?

Youthful drivers are allowed under certain conditions. Note that risks in Florida with youthful operators may be limited to $1 million; other restrictions apply when DUI or multiple major violations are present in the household.

What if my client has several residences or vehicles?

The Standard option supports complex portfolios — it accommodates unlimited vehicles and up to 25 residential locations, making it suitable for clients with multiple homes or significant recreational assets.

Is personal injury coverage included?

Yes. Personal injury is included if it exists on the underlying policy. If it’s excluded on the primary policy, a buyback option is available subject to underwriting approval.

How do I get started placing business with MAXIMUM?

Contact MAXIMUM by phone or email to review eligibility, underlying limits, and submission guidelines. Their underwriting team can help evaluate complex exposures and recommend the best placement pathway.

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

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:
    -

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CONTACT INFORMATION

LOCATION

222 S Riverside Plaza, Suite 2340
Chicago, IL 60606
888-364-2765
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MAXIMUM has other insurance programs like Annual Host Liquor Liability.