For over 30 years, Stoermer Insurance Brokers has been a trusted Excess & Surplus Lines Broker helping independent agents place Personal Umbrella Insurance for high-risk drivers. We specialize in tough-to-place risks across Ohio, Kentucky, Indiana, and now Michigan. If you serve clients with complex driving histories or other challenges, our program offers a reliable market with competitive coverage features and underwriting flexibility.
Ideal Accounts and Appetite
Our Personal Umbrella program is designed specifically for high-risk personal lines clients. Eligible risks include:
- Households with up to five at-fault accidents
- Drivers aged 23–75 with up to four violations
- Other drivers with up to three violations
- Households with up to ten combined violations
- Drivers over age 22 with drug or alcohol-related offenses
- Households with up to three major convictions
- Unlimited number of operators of all ages
- Unlimited number of recreational vehicles and watercraft up to 75 feet
We can also accommodate risks titled in the name of a trust, estate, LLC, or LP.
Coverage Highlights and Advantages
This is true umbrella coverage with no self-insured retention and many built-in advantages:
- Limits up to $5,000,000 available, with excess limits available upon request
- $25,000 of excess UM/UIM coverage included at no charge
- Optional UM/UIM limits up to $1,000,000
- Net loss includes prejudgment interest
- Worldwide coverage
- Policies backed by A.M. Best A++ rated carriers
- MVRs ordered by the carrier—no need for agents to pull them
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on risk characteristics. As an E&S broker, we offer flexibility to evaluate non-standard personal umbrella risks that fall outside traditional carrier guidelines.
We welcome submissions from retail agents looking for quick turnaround and expert support on high-risk personal lines business. Whether it's a single driver with multiple violations or a household with recreational exposures, we can help you place it.
Territories and Availability
This program is currently available in the following states:
- Ohio
- Kentucky
- Indiana
- Michigan
Admitted options may be available in some states. Please contact us for state-specific details.
Why Work With Stoermer Insurance Brokers?
Stoermer Insurance Brokers is a regional expert in high-risk personal lines placements. We’ve served agents across the Midwest for decades, providing access to top-rated carriers and underwriting expertise in the high-risk niche. When you need a responsive partner who understands non-standard exposures, Stoermer is ready to help.
If you have a client who’s been turned down for a personal umbrella due to violations, prior claims, or complex household drivers, give us a try. We’re here to help you find a solution.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for personal lines clients with multiple violations, at-fault accidents, DUI/DWI history, or households with numerous operators and recreational vehicles.
Can you write umbrella policies for risks held in a trust or LLC?
Yes, we can accommodate policies titled in the name of a trust, estate, LLC, or limited partnership.
What is the maximum available umbrella limit?
We offer limits up to $5,000,000, with excess limits available beyond that upon request.
Are MVRs required at submission?
No, MVRs are ordered by the carrier, making the submission process easier for agents.
Which states is this program available in?
The program is currently available in Ohio, Kentucky, Indiana, and Michigan.
Need help placing an account? Connect with a market specialist.