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    Umbrella Products


    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 very depending on the state and risk. Please contact your Account Executive for details specific to your risk.

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    Excess Umbrella (Online)

    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 – Includes all of the above characteristics except where amended below

    • 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 7
    • No UM/UIM is available with this product

    Submission Requirements

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

    Excess Umbrella (Submit for Rate)

    Underlying Coverage Requirements

    • Personal Umbrella – $1,000,000 in excess of the minimum underlying limits

    Eligible Risks

    • Vacant land up to 10 acres
    • Small farms
    • Owners of no more than 12 rental units
    • Watercraft less than 350 horsepower. (Carrier approval required if over 350 horsepower.)
    • TVs, motorcycles, mopeds, and snowmobiles
    • Owners of up to 12 rental units
    • Apartments (Carrier approval required)

    Ineligible Risks

      • Applicants who have had more than 1 liability claim that exceeds $25,000 in payment during the last 5 years
      • Business pursuits including policies written in a corporate name
      • Risks with no underlying CPL
      • Risks with Commercial Underlying Policies
      • Aircrafts
      • Houseboats

    Available Limits

        • Up to $5,000,000. Increased limits may be available subject to an additional premium and carrier approval.

    Submission Requirements

        • Completed and signed application

    Farm & Ranch (Submit for Rate)

    Eligible Risks

    • Farms owned by personal insureds (non-commercial), typically owned for investment or retirement purposes
    • Up to:
      • 2,000 total acres across and unlimited number of locations
      • $1,000,000 of farm revenues from eligible farm operations
      • 250 head of grazing animals/livestock
    • Unlimited number of autos, recreational vehicles and watercrafts not exceeding 75 feet/50 mph
    • Farm locations leased to others.

    Ineligible Risks

    • Risks in the name of a corporation or farm exposures in the name of a corporation
    • Farm exposures exceeding:
      • 2,000 acres
      • 250 head of livestock
      • $1,000,000 in revenue
    • Farm operations which include confinement, manufacturing, processing or slaughtering
    • Horses boarded, bred, raced, trained or given lessons
    • Underlying farm liability is written on a commercial form
    • Household individuals convicted of a felony in the past five years
    • Operator over 22 yrs old with a DUI lives in the same household as a youthful operator
    • Primary residence is located in AK, LA, or WV

    Available Limits

    • Up to:
      • $10,000,000 for preferred risks
      • $5,000,000 for all other risks/all risks in FL
      • $1,000,000 for excess uninsured/underinsured motorist coverage for most risks ($25,000 included at no charge)
    • $1,000,000 for risks in AL, IN, MS, NH, or VT as well as risks in FL with youthful operators

    Minimum Underlying Requirements

    • $500,000 personal liability, homeowners or personal lines farm and/or ranch policy
    • $500,000/$500,000/$100,000 or $500,000 combined single limit for automobiles
    • $250,000/$500,000/$100,000 or $300,000 combined single limit for recreational vehicles and watercrafts

    Submission Requirements

    • Completed and signed application

    Umbrella (Online)

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

    At NationalUmbrella.com we offer one stop shopping for Preferred, Standard, High Risk, Farm & Ranch (Non-Commercial), 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.

    Umbrella (Submit for Rate)

    Underlying Coverage Requirements

    • Automobile Liability – $500k/$500k/$100k or $500,000 CSL
    • CPL or Homeowners – $300,000 CSL
    • Watercraft (less than 350 horsepower) – $300k/&500k/$100k or $300,000 CSL
    • Vacant Land – $300,000 CSL
    • Rental Units – $300,000 CSL
    • Motorhomes – $300k/$500k/$100k or $500,000 CSL

    Eligible Risks

      • Vacant land up to 10 acres
      • Small farms
      • Owners of no more than 12 rental units
      • Watercraft less than 350 horsepower. (Carrier approval required if over 350 horsepower.)
      • ATVs, motorcycles, mopeds, and snowmobiles
      • Owners of up to 12 rental units

    *Apartments (Carrier approval required)

    Ineligible Risks

    • Applicants who have had more than 1 liability claim that exceeds $25,000 in payment during the last 5 years
    • Business pursuits including policies written in a corporate name
    • Risks with no underlying CPL
    • Risks with Commercial Underlying Policies
    • Aircrafts
    • Houseboats

    Available Limits

    • Minimum limits required – $1,000,000. Increased limits up to $10,000,000 subject to an additional premium and carrier approval.
    • UM/UIM coverage – $25,000 included when underlying UM/UIM limits are equal to underlying automobile liability limit.
    • Increased limits available subject to an additional premium and carrier approval.
    • Identity Theft coverage – $25,000 available subject to an additional premium.

    Submission Requirements

    • Completed and signed application