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    National Umbrella Quoting


    All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.

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    Personal Umbrella

    Personal Umbrella available nationally with AM Best Rated A++ company. Broad coverage including limits up to $10,000,000 for preferred risks.

    Get a Personal Umbrella Quote instantly with an A++ Carrier!

    At NationalUmbrella.com we offer one stop shopping for Preferred, Standard, High Risk and Celebrity Personal Umbrellas.

    • Product insured by United States Liability, A++ Berkshire Hathaway Company
    • Broad Coverage including Limits up to $10,000,000
    • Real Time Underwriting Support with Experienced Underwriters
    • Policies Issued Electronically
    • Direct Bill
    • Multiple Payment Options Including Check, Credit Card, or EFT
    • Multiple Installment Options all Interest Free!
    • Automatic Renewals with Renewal Certificates
    • No MVRs

    map icon View map of admitted & non-admitted product eligibility >>

    NationalUmbrella.com – your personal umbrella source for broad coverage at a competitive price and ease of use!

    Call 1-888-875-1969 for a Personal Umbrella Instant Quote from 9:00 AM – 8:00 PM EST or get an instant quote online.

    Personal Umbrella – Excess

    Product Advantages

    • Follow form umbrella coverage
    • Personal Injury protection automatically included when provided by underlying coverage
    • Motor Vehicle Reports can be ordered by carrier
    • Efficient online capabilities

    Eligibility Criteria

    • Operators between the ages of 23 and 75 who have had up to four violations and three accidents
    • Operators under 23 or over 75 who have had up to three violations and two accidents
    • Unlimited number of vehicles including motorcycles, motor homes, recreational vehicles, boats and personal watercraft
    • Residences with protected swimming pools
    • Watercraft up to 26 feet in length not capable of speeds in excess of 50 mph
    • Applicants with liability claims up to $50,000

    Eligible Risks

    • Operators 90 years of age or older
    • Applicants who are considered High Profile
    • Households with up to ten violations and five accidents
    • Households with up to two drug and/or alcohol related offenses
    • Risks with protected pools
    • Applicants with pets that are not excluded by primary policies
    • Applicants with an incidental business activity
    • Risks with Underlying Business Auto or Garage Coverage
    • Applicants with open liability claims
    • Households with up to 3 major convictions
    • Individual operators with up to 2 major convictions

    Ineligible Risks

    • Any risk where the named insured is other than an individual or husband and wife
    • Underlying Coverage written on a Commercial General Liability Form except for Business Auto
    • Individuals with more than one Drug or Alcohol conviction or households with more than two Drug or Alcohol convictions
    • Households with more than ten violations or five accidents
    • Individuals convicted of a felony
    • Applicants with primary residence in Louisiana, West Virginia or outside the United States
    • Any risk where land is leased to others for purposes of hunting, fishing, or other sporting or recreational purposes
    • Watercraft in excess of 75 feet or watercraft capable of speeds in excess of 50mph
    • Operators between the ages of 23 and 75 who have had more than four violations and three accidents
    • Operators under 23 or over 75 who have had more than three violations and two accidents
    • Risks not having 100% of the wiring on circuit breakers
    • Risks having existing tax liens
    • No prior, existing or pending bankruptcy in the past 5 years
    • Risks located in Alaska or Louisiana
    • Risks not having 100% of the wiring on circuit breakers
    • Risks not having functioning and operational smoke and/or heat detectors in all units and/or occupancies
    • No prior, existing or pending bankruptcy in the past 5 years
    • Property Risks located in Hawaii (GL is eligible)
    • Risks with prior, existing or pending bankruptcy in the past 5 years
    • Risks with more than 2 losses (excluding closed without payment) in the last three years
    • Applicant has not, is not, and will not act as franchisor or Grantor of a Franchise

    Available Limits

    • Limits available up to $10,000,000 (Max $5,000,000 in Florida)
    • Limits available up to $5,000,000 for risks with drug and/or alcohol related offenses or operators under 23 or over 75
    • No UM/UIM is available with this product

    Submission Requirements

    • United States Liability Insurance Group Personal Umbrella Application or an ACORD Personal Umbrella Application
    • Review of motor vehicle records will be required at binding for all operators in the household