Umbrella (Submit for Rate)
All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may very depending on the state and risk. Please contact your Account Executive for details specific to your risk.


Underlying Coverage Requirements

*Automobile Liability - $500k/$500k/$100k  or $500,000 CSL

*CPL or Homeowners - $300,000 CSL

*Watercraft  (less than 350 horsepower) - $300k/&500k/$100k or $300,000 CSL

*Vacant Land - $300,000 CSL

*Rental Units - $300,000 CSL

*Motorhomes - $300k/$500k/$100k or $500,000 CSL

 

Eligible Risks

*Vacant land up to 10 acres

*Small farms

*Owners of no more than 12 rental units

*Watercraft less than 350 horsepower.  (Carrier approval required if over 350 horsepower.)

*ATVs, motorcycles, mopeds, and snowmobiles

*Owners of up to 12 rental units

*Apartments (Carrier approval required)

 

 Ineligible Risks

*Applicants who have had more than 1 liability claim that exceeds $25,000 in payment during the last 5 years

*Business pursuits including policies written in a corporate name

*Risks with no underlying CPL

*Risks with Commercial Underlying Policies

*Aircrafts

*Houseboats

 

Available Limits

*Minimum limits required - $1,000,000.  Increased limits up to $10,000,000  subject to an additional premium and carrier approval.

*UM/UIM coverage - $25,000  included when underlying UM/UIM limits are equal to underlying automobile liability limit. 

*Increased limits available subject to an additional premium and carrier approval.

*Identity Theft coverage - $25,000 available subject to an additional premium.



Submission Requirements

*Completed and signed application

Applications
Contact Personal Lines Dept.
Patricia Bobb
Assistant Account Executive

Phone: 866-417-4855 Ext. 6328
Emily Breazeale
Assistant Account Executive

Phone: 866-417-4855 Ext. 6259
Lauren Cain-Clark
Assistant Account Executive

Phone: 727-362-6111
Michael Carioti
Account Executive

Phone: 866-417-4855 Ext. 6342
Matthew Clegg
Assistant Account Executive

Phone: 866-417-4855 Ext. 6100
Danielle Dagostino
Assistant Account Executive

Phone: 866-417-4855 Ext. 6121
Morgan Domingue
Account Executive

Phone: 866-417-4855 Ext. 6282
Ladonica Fagg
Assistant Account Executive

Phone: 866-417-4855 Ext. 6261
Alex Fifelski
Assistant Account Executive

Phone: 727-362-6125
Mackenzie Harrington
Account Executive

Phone: 866-417-4855 Ext. 6262
Lazaro Hernandez
Assistant Account Executive

Phone: 727-362-6324
Sarah Hoyle
Assistant Account Executive

Phone: 866-417-4855 Ext. 2928
Richelle Ingram
Account Executive

Phone: 866-417-4855 Ext. 6320
Robert (Bob) Massarsky
Underwriter

Phone: 866-417-4855 Ext. 6302
Ethan Morris
Assistant Account Executive

Phone: 866-417-4855 Ext. 6062
Jackie Plank
Clerical Assistant

Phone: 866-417-4855 Ext. 6305
Courtney Rigg
Assistant Account Executive

Phone: 866-417-4855 Ext. 4969
John Rigg
Assistant Account Executive

Phone: 866-417-4855 Ext. 4906
Lisa Rowe
Account Executive Assistant

Phone: 866-417-4855 Ext. 6260
Twiggy San Julian
Assistant Underwriter

Phone: 866-417-4855 Ext. 6337
Paula Sanchez
Account Executive

Phone: 866-417-4855 Ext. 6313
David Stansel
Assistant Account Executive

Phone: 727-362-6114
Robyn Staton
Account Executive

Phone: 866-417-4855 Ext. 6323
Tracy Sturdevant
Assistant Account Executive

Phone: 727-322-4973
Ananka Willocks
Senior Account Executive

Phone: 866-417-4855 Ext. 6097
Rhonda Wilson
Assistant Account Executive

Phone: 727322-4964