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