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
Contact: Personal Lines Department
Ph: 949-488-2255 / 800-488-4096 / Fax: 949-488-2259
