Personal Umbrella

TERRITORY

• California – Arizona and various states

SERVICE

• Easy online quoting
• Electronic Signature Available
• Self?underwriting application
• Commission 10%

GUIDELINES:

• Umbrella Limits 1M /5M
• 1M optional excess U/M ? UIM
• Auto Underlying as low as 100/300/50
• No vehicle or property lists
• No information on underlying carriers
• No age limit on drivers

ABILITY TO WRITE OVER:

• Up to 10 vehicles per household for 1M
• Up to 10 properties per household (max 5 Rentals)
• Moving violations per household up to 6 (2 if over 70)
• At fault accidents up to 3 (1 if over 70)
• DUI/DWI – 1 per household (not available <22 or > 79)

MINIMUM PREMIUM:

• Varies by state and territory

DIFFICULT TO PLACE

• Admitted, A.M. Best rated A XV program
• Primary Umbrella/Excess Umbrella
• $1MM – $5 MM limits ($6MM – $10MM available in California)
• $1MM – $2MM optional excess UM/UIM
• High-profile, Elected public officials, Professional athletes, Entertainers, Actors, Actresses, etc
• Ability to write over driver exclusion endorsements

• Competitive rates on watercraft, jet ski, snowmobile and quads
• LLCs, estates and trusts
• Drunk drivers and moving violations
• Farm/Ranch (FCPL) acceptable

• Non-Admitted Carriers acceptable with A.M. Best B+VIII or higher

• Lloyds’ underlying acceptable as primary carrier
• Demo tech rated underlying carriers acceptable
• Excess over a Primary Umbrella

• No application required at renewal
• Policy issued within 48 hours
• 100% direct bill for new and renewal business
• 10% commission, new business

Contact: Personal Lines Department

Direct: 949-488-2255 / 800-488-4096
Fax: 949-488-2259
Email: PersonalUmbrella@kinginsuranceca.com