Personal Umbrella

Excess liability over the home and auto you already wrote.

The easiest sale in personal lines and the most often forgotten. Because the underlying limits are already in the file, the umbrella quote takes one more step, not one more application.

01

Underlying already on file

Home and auto limits carry into the umbrella submission automatically.

02

Offered at the right moment

Quoted while the client is buying the underlying, not at renewal a year later.

03

Millions, not thousands

The limits high-net-worth households and youthful drivers genuinely need.

What it covers

Personal Umbrella, in plain terms.

Excess liability

Additional limits above the home, auto and watercraft policies.

Defense costs

Legal spend covered above and beyond the underlying policy.

Personal injury

Libel, slander and the exposures the underlying forms narrow.

Worldwide scope

Liability that follows the household beyond the home state.

Get appointed and write Personal Umbrella.

One appointment puts every line on the same platform — carriers, AI underwriting support, servicing and commissions paid to your wallet.