"Our success is not because of the coverage we offer. It's because of the people who write the policies."

Difficult-to-Place Personal & Excess Umbrella

  • 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: PersonaUmbrella@kinginsuranceca.com