https://completemarkets.com/company/jmwilson/Personal-Umbrella-Insurance/
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.