Personal Umbrella and Personal Liability Insurance Program

Personal Umbrella coverage is also available on a primary or excess basis with limits up to $5,000,000. If umbrella coverage is not an option, we can provide Excess CPL coverage, when an individual’s personal liability limits are not enough

Our Comprehensive Personal Liability (CPL) program offers stand-alone liability coverage for 1 - 4 family owner occupied or rental properties including condo units, with Personal Injury coverage Included.

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Personal Umbrella

Available on a primary or excess basis with limits up to $5,000,000

  • Named Insured – Individual (Coverage for a Trust, Estate or LLC available)
  • Limits - $1,000,000 to $5,000,000
  • Prior Claims - one liability loss

Eligible Risks:

  • Up to 10 autos
  • Up to 10 1-4 Family residential locations
  • Up to 1,280 total farm acres, multi-locations accepted
  • Multiple household violations and at-fault accidents (depending on age of driver)
  • Operators under the age of 23 and over 75

Personal Liability

Available on a primary or excess basis with limits up to $1,000,000

  • Named Insured – Individuals, Trust, LLC and Personal investment corporations
  • Limits up to $1,000,000
  • Excess personal liability available

Eligible Risks:

  • 1 – 4 Family dwellings, condo units and mobile homes
  • Risks up to 15 locations
  • Secondary/seasonal dwellings
  • Short term rentals
  • Vacant land

Every year, heavy rains brings flooding

Every year, an insured finds out the hard way that their homeowner’s policy excludes this exposure.

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