National Umbrella Quoting

Personal Umbrella – Excess

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

• 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