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Exclusive Bed and Breakfast Umbrella Program from Great Point Insurance If you’re an agent or broker placing umbrella coverage for bed and breakfast clients, Great Point Insurance offers a focused solution. Through www.UmbrellaPro.com, you can instantly quote, bind, and issue policies—streamlining placement and delivering fast service to your insureds. This exclusive Bed and Breakfast Umbrella program is backed by an "A" Rated, admitted carrier and is tailored to the specific liability exposures that come with operating a bed and breakfast. Whether your client hosts extended guest stays, serves food and beverage, or holds small on-site events, this program helps manage those risks with admitted umbrella protection. Ideal Accounts and Appetite The program fits standalone bed and breakfast operations, boutique inns, and guesthouses that provide overnight lodging and meals. Properties that host small events, wine tastings, or provide limited on-site alcohol service are also typically eligible. Examples of good-fit accounts include: A historic 8-room inn in Vermont offering weekend packages with local tours and supervised wine service. A coastal bed and breakfast in California that hosts small weddings and private dinners. Operations with significant commercial restaurant or bar components, or those functioning more like full-service hotels, may be outside the preferred appetite. Coverage Highlights and Advantages Umbrella limits up to $5 million Minimum premium starting at $750 Follow form auto and follow form liquor liability available Admitted paper with an "A" Rated carrier Instant online quoting, binding, and issuance via UmbrellaPro.com Available nationwide Underwriting Considerations Risks must meet baseline underwriting criteria for bed and breakfast operations, including appropriate licensing and general safety compliance. Liquor liability must be supported by an acceptable primary policy. The program’s minimum premium applies; final pricing depends on exposures, limits, and underwriting details. Territorial Availability This program is available nationwide, including all 50 states and the District of Columbia. Whether a risk is in a rural New England town or a busy West Coast tourist market, you can place umbrella coverage through Great Point Insurance. Why Work With Great Point Insurance? Great Point Insurance is a program administrator focused on niche hospitality markets. With UmbrellaPro.com, agents gain instant access to rate, quote, and issue tools that reduce placement friction and speed turnaround. The program pairs tailored coverage language and admitted paper with an experienced underwriting appetite for bed and breakfast exposures. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Bed and Breakfast Umbrella program?Standalone bed and breakfasts, boutique inns, and guesthouses that provide lodging and meals are ideal. Properties that host small events or offer limited alcohol service can also qualify, provided primary liquor liability is in place. Is this umbrella program admitted or non-admitted?This program is written on admitted paper and is backed by an "A" Rated carrier, offering admitted coverage for your insureds. What is the minimum premium for this program?The program’s minimum premium starts at $750. Final premium varies based on underwriting factors, limits selected, and the insured’s operations. How fast can I quote and bind coverage?You can quote, bind, and issue policies instantly online using UmbrellaPro.com, which helps accelerate placement and reduce administrative steps. Is the program available in my state?Yes — the program is available in all 50 states and the District of Columbia.

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Primary Personal Umbrella Insurance True umbrella coverage over primary liability limits Limits available up to $5 million Typical underlying requirements: CPL 300 CSL, auto 250/500/100; watercraft 300 CSL or 500 CSL depending on the craft Will accept youthful drivers with 250/500/100 auto limits Will consider applicants with DUIs and alcohol-related violations Applicants over 70 years — no medical required Named insured can be an individual, trust, estate or LLC Will accept ATVs, motorcycles, mopeds, snowmobiles (underlying auto limits 250/500/100) Excess Personal Umbrella Insurance Limits up to $5 million Excess over another carrier’s umbrella Follows the form of the underlying umbrella Target Personal Umbrella Insurance Limits up to $5 million Program designed for high-profile individuals — actors, sports personalities, musicians, and similar exposures Underlying requirements: CPL 300 CSL; auto 500/500/100; watercraft 500 CSL or 500/500/100 Risks with lower underlying limits (250/500/100) may be acceptable in some cases The personal lines team at J.M. Wilson is focused on helping independent agents place personal umbrella business efficiently. A few service and capability highlights: 24-hour turnaround on quotes — most often same day Direct billing available for many personal lines accounts Underwriters available to assist with online rating, phone quotes, coverage questions and financing options Current success with accounts such as dwelling/fire, homeowners (including high-value homes), personal inland-marine (including mini-storage contents), personal umbrella (including higher-risk drivers), and in-home business risks All J.M. Wilson personal lines markets are "A" rated For more information on J.M. Wilson personal lines, visit: www.jmwilson.com Overview of the Program from J.M. Wilson Corp. J.M. Wilson Corp. offers primary, excess and target personal umbrella solutions written through admitted and non-admitted markets to give agents flexible placement options. Limits are available up to $5 million, and the program is designed to handle standard household umbrella exposures as well as higher-profile and higher-risk applicants that need broader capacity than standard markets provide. Ideal accounts and appetite Private individuals and families seeking higher liability limits above homeowners and auto policies High-net-worth or high-profile insureds who need specialized umbrella follow-form coverage Clients with non-standard driver histories (including DUIs or youthful drivers) — subject to underlying limit requirements Households with recreational exposures: boats, ATVs, motorcycles, snowmobiles and in-home business operations Coverage highlights and advantages True umbrella coverage that drops down over primary liability limits when required Flexible underlying limit allowances for primary and excess placements Programs tailored for celebrity/public-figure exposures with enhanced limits and forms Quick turnaround and responsive underwriting — helpful when clients need timely bindable options Underwriting notes Typical underlying limit expectations: CPL 300 CSL; autos generally 250/500/100 or 500/500/100 for target accounts Program is willing to consider youthful drivers and certain driving violations; specific acceptances are determined by underwriting review Named insured may be an individual, trust, estate or LLC — useful for complex ownership or estate planning situations For high-profile target placements, expect higher underlying auto limits and tailored forms J.M. Wilson represents a mix of admitted and non-admitted carriers — placement will depend on state availability and risk characteristics Territories and availability This program is available in: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. Placement options may vary by state based on admitted vs. excess & surplus capacity. Why work with J.M. Wilson on personal umbrella business Market access — multiple admitted and E&S carriers provide flexibility to place non-standard and complex accounts Underwriting support — direct access to experienced underwriters and online rating tools speeds quoting Service-oriented — fast turnaround, direct billing options, and underwriting consultation help you close business Specialized programs — target offerings for high-profile insureds and excess follow-form solutions when primary umbrella exists Example scenarios You have a homeowner with a DUI on their record and recreational watercraft exposure: J.M. Wilson’s primary umbrella may provide $1M–$5M limits with acceptance of certain alcohol-related violations. A local actor needs higher liability limits and follow-form excess coverage over an existing umbrella: J.M. Wilson’s target/excess options can be evaluated to match the underlying forms. Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson’s Personal Umbrella programs?Good fits include private individuals and families needing limits above standard homeowners/auto policies, high-profile or high-net-worth insureds, households with recreational vehicle exposures, and applicants with certain non-standard driving histories who meet underlying limit requirements. What underlying limits are typically required?Typical underlying expectations are CPL 300 CSL and auto limits of 250/500/100 for standard primary umbrella placements. Target and high-profile accounts generally require higher underlying auto limits such as 500/500/100. Exact requirements are verified during underwriting. Are these programs available in my state and are they admitted?The program operates in AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. J.M. Wilson places business through both admitted and non-admitted carriers; placement depends on state rules and the specific risk profile. How quickly can I get a quote or bind coverage?J.M. Wilson aims for a 24-hour turnaround on quotes and most often returns same-day. Underwriters are available for online rating and phone quotes to help expedite submissions. Need help placing an account? Connect with a market specialist.

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