Group Personal Excess Umbrella Insurance

Access to markets which provide higher liability limits.

  • Group rates most often considerably lower than individual policies
  • Access to higher liability limits than individual policies
  • Less underwriting scrutiny – no MVR or CLUE
  • Eliminate need for personal excess policy
  • UM/UIM coverage available
  • Shadow defense coverage up to $10,000
  • Reputation injury (libel and slander) coverage up to $25,000
  • Worldwide liability
  • Kidnap liability up to $100,000
  • Identity Theft up to $25,000
  • No annual aggregate – each policy stands on its own
  • No need to collect proof of underlying policies
  • Minimum liability limits:  home $300,000, auto $250/500 or $300,000 CSL
  • Defense costs with no cap

Why do you need a personal umbrella?

  • Added layer of liability protection for your family
  • Protect your family’s assets
  • Protect your family from reputation injury (libel and slander)
  • Protect your family with excess UM/UIM coverage