Our Personal Umbrella & Excess Liability Programs have been designed to provide broad Personal Umbrella and Excess Limit Coverages to applicants who need better coverage or higher limits than they can obtain from their Primary Automobile or Homeowners Carriers.


Personal Umbrella & Excess Liability Programs Available:

Preferred Personal Umbrella

The Preferred Personal Umbrella is designed for preferred applicants with clean driving records who do not have National, Local Name or Face recognition.

High Risk Drivers

This product is designed for hard-to-place risks, including applicants with prior losses and/or multiple accidents, multiple violations or Drug and/or Alcohol-related convictions.

Celebrity Applicants

This product is designed for applicants who have National, Local Name or Face recognition.

Farm/Ranch Owners

This product is designed for family-owned and operated farms.

Excess Personal Umbrella

This product is designed for those applicants who have a primary personal umbrella policy with another company and desire higher limits.

Personal Excess Liability

This product is designed for those applicants who have inadequate primary personal liability limits and desire higher limits. Coverage can be provided over primary insurance or over first-layer excess provided by another carrier.

Comprehensive Personal Liability

This product is designed for primary coverage for an insured.

CPL For High Profile Applicants

This alternative product is available to provide coverage that addresses both the personal and general liability exposures of high-profile insureds.

Excess Comprehensive Personal Liability

This product enables applicants to secure higher limits of liability than their primary carrier will provide. It is also designed as a "buffer" layer to enable applicants to meet the minimum attachment point of any personal umbrella product.

Excess Personal Auto Liability

This product enables applicants to secure higher limits of liability than their primary carrier will provide. It is also designed as a "buffer" layer to enable applicants to meet the minimum attachment point of any personal umbrella product.

Excess Personal Watercraft Liability

Our Excess Watercraft and Jet Ski Liability product enables owners of watercraft to secure higher limits of liability than their primary carrier will provide. Our product is also available as a "buffer" layer for applicants who require higher limits in order to meet the minimum point of attachment for any Personal Umbrella Product.

Contact Tonya Rivera for more information