Personal Umbrella Insurance

Ideal Risks and Targeted Accounts

This program fits clients who require higher liability limits or who have characteristics that many admitted markets decline. Typical accounts include:

• Youthful drivers with recent driving activity
• Senior drivers
• Clients with past DUI violations or open claims
• Households with multiple accidents or violations
• High-profile individuals (entertainers, public figures)
• Owners of multiple vehicles, rental properties, or large primary homes

Example scenarios you can place with this program: You might have a client with a large household, several vehicles and a teen driver with an accident history; or a high-net-worth insured who needs $5M–$10M in excess limits and has rental properties and a limited liability company holding real estate.

Coverage Highlights

• Personal Umbrella limits up to $10 million
• Uninsured Motorist coverage available up to $2 million
• Acceptance of international driver’s licenses on eligible risks
• Ability to list LLCs, trusts, and estates as additional insureds when appropriate
• Coverage available over Commercial Auto and Farm exposures

These features make the program practical for clients with complex asset structures or mixed personal/commercial exposures that require excess liability protection beyond standard market thresholds.

Underwriting Notes and Minimum Premium

Underwriting with Monarch E&S is intentionally flexible. The program considers submissions that many standard carriers decline, including accounts with adverse driving history or open claims — each submission is reviewed on a case-by-case basis. The minimum premium starts at $189, though the final premium will depend on the risk profile and chosen limits.

While the program accepts a range of elevated risks, typical declinations remain: habitual reckless driving, severe unresolved criminal driving charges, or exposures that exceed available reinsurance capacity. When in doubt, submit the file for review rather than pre-emptively declining.

Territories and Admitted Status

The Personal Umbrella program is available in Arizona (AZ), California (CA), Hawaii (HI), Nevada (NV), and Texas (TX). Coverage is written on a non-admitted (excess & surplus) basis in most available states, providing broader underwriting flexibility for unusual or higher-risk accounts.

Why Work with Monarch E&S

Monarch E&S is a Managing General Agency and Excess & Surplus Lines Broker with direct access to leading markets including United States Liberty United, Hudson, and Scottsdale. Our team understands the nuances of personal umbrella placement and can help you navigate complex exposures quickly — from initial review to binding.

If you need help placing an account or want a quick eligibility check, our underwriting team will evaluate challenging files and recommend the best approach for placement.

Contact Monarch E&S today to learn how we can help you write and grow your Personal Umbrella Insurance book.