Excess Umbrella (Online)
Excess Personal Umbrella available nationally with AM Best Rated A++ company.


Product Advantages   

*Follow form umbrella coverage

*Personal Injury protection automatically included when provided by underlying coverage

*Motor Vehicle Reports can be ordered by carrier

*Efficient online capabilities

 

Eligibility Criteria

*Operators between the ages of 23 and 75 who have had up to four violations and three accidents

*Operators under 23 or over 75 who have had up to three violations and two accidents

*Unlimited number of vehicles including motorcycles, motor homes, recreational vehicles, boats and personal watercraft

*Residences with protected swimming pools

*Watercraft up to 26 feet in length not capable of speeds in excess of 50 mph

*Applicants with liability claims up to $50,000

Eligible Risks – Includes all of the above characteristics except where amended below

*Operators 90 years of age or older

*Applicants who are considered High Profile

*Households with up to ten violations and five accidents

*Households with up to two drug and/or alcohol related offenses

*Risks with protected pools

*Applicants with pets that are not excluded by primary policies

*Applicants with an incidental business activity

*Risks with Underlying Business Auto or Garage Coverage

*Applicants with open liability claims

*Households with up to 3 major convictions

*Individual operators with up to 2 major convictions

 

Ineligible Risks

*Any risk where the named insured is other than an individual or husband and wife

*Underlying Coverage written on a Commercial General Liability Form except for Business Auto

*Individuals with more than one Drug or Alcohol conviction or households with more than two Drug or Alcohol convictions

*Households with more than ten violations or five accidents

*Individuals convicted of a felony

*Applicants with primary residence in Louisiana, West Virginia or outside the United States

*Any risk where land is leased to others for purposes of hunting, fishing, or other sporting or recreational purposes

*Watercraft in excess of 75 feet or watercraft capable of speeds in excess of 50mph

*Operators between the ages of 23 and 75 who have had more than four violations and three accidents

*Operators under 23 or over 75 who have had more than three violations and two accidents

*Risks not having 100% of the wiring on circuit breakers

*Risks having existing tax liens

*No prior, existing or pending bankruptcy in the past 5 years

*Risks located in Alaska or Louisiana

*Risks not having 100% of the wiring on circuit breakers

*Risks not having functioning and operational smoke and/or heat detectors in all units and/or occupancies

*No prior, existing or pending bankruptcy in the past 5 years

*Property Risks located in Hawaii (GL is eligible)

*Risks with prior, existing or pending bankruptcy in the past 5 years

*Risks with more than 2 losses (excluding closed without payment) in the last three years

*Applicant has not, is not, and will not act as franchisor or Grantor of a Franchise

   

Available Limits

*Limits available up to $10,000,000 (Max $5,000,000 in Florida)

*Limits available up to $5,000,000 for risks with drug and/or alcohol related offenses or operators under 23 or over 75

*No UM/UIM is available with this product

   

Submission Requirements

*United States Liability Insurance Group Personal Umbrella Application or an ACORD Personal Umbrella Application

*Review of motor vehicle records will be required at binding for all operators in the household

Quoting Options

Applications
Instant Phone Quote
Live Chat
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