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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.

    Insurance for Farm and Ranch

    Umbrella 

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    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 $5,000,000
    • 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

    Business Resource Center, Provides centralized access to business solution vendors for all policyholders

      • Human resources services
      • Pre-employment and tenant screenings
      • Identity theft protection
      • Marketing resources

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

    Call 1-888-875-1969 for an Instant Phone Quote 

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    Excess Umbrella 

    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 Excess Umbrellas.

    • Risks with an existing primary umbrella with another carrier but desire higher umbrella limits
    • Unlimited number of drivers of any age
    • Unlimited number of automobiles and recreational vehicles and boats not exceeding 75 feet and 50 mph
    • Up to 25 one-to-four family residential locations
    • Celebrity and high profile applicants
    • Farm exposures covered by a primary personal umbrella subject to Farm and Ranch Owners Hit Zone Product Underwriting Guide eligibility
    • Households with:
      • Motorcycles
      • Drug or alcohol-related offenses in the last five years*
      • Up to 10 convictions for moving violations in the last three years*
      • Up to five at-fault accidents in the last three years*

    *The total number of driving incidents for any one driver may render that driver ineligible

    PRODUCT ADVANTAGES

    • No self-insured retention
    • Defense outside the limit
    • Pre and post-judgment interest coverage
    • Multiple additional insureds can be added at no additional premium
    • Admitted and eligible for Direct Bill in AZ, CA, CO, CT, GA, IL, MD, NC, NJ, NY, PA, SC, TX, VA and WA

    AVAILABLE LIMITS

    • Up to $5 million
    • $1 million for risks in AL, FL, MS, NH and VT as well as risks that fall within our High Risk guidelines

    MINIMUM UNDERLYING REQUIREMENTS

    • $1 million primary personal umbrella

    MOST COMMON INELIGIBLE RISK CHARACTERISTICS

    • Risks in the name of a corporation
    • Underlying coverage written on a commercial form (exception is business auto)
    • More than one major violation in the household
    • Household totals for driving history exceed acceptable maximums
    • Operator over age 22 with a DUI lives in same household as a youthful operator
    • Primary residence located in AK, LA or WV

    NOTE: Ineligible risk characteristics include, but are not limited to, those listed above.

    Business Resource Center, Provides centralized access to business solution vendors for all policyholders

      • Human resources services
      • Pre-employment and tenant screenings
      • Identity theft protection
      • Marketing resources

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

    Call 1-888-875-1969 for an Instant Phone Quote 

    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

    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

    Personal Umbrella – Farm and Ranch Owners

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

    Product Advantages

    • Dollar one coverage for non-owned recreational vehicles and watercraft under 26 feet and under 301 horsepower
    • Dollar one coverage for non-owned automobiles outside the U.S.
    • Definition of bodily injury is expanded to include mental injury, anguish, humiliation and shock
    • No self-insured retention
    • Defense outside the limit
    • Pre and post-judgment interest coverage
    • Multiple additional insureds can be added at no additional premium
    • Personal injury included if included on primary; buyback option available if excluded on primary

    Available Limits

    • Up to $5 million
    • $1 million for risks in AL, CA, FL, MS, NH and VT
    • $1 million for risks that fall within our High Risk guidelines
    • $1 million for households with drivers 76 or older
    • $1 million for risks in CT and ME with rental locations built prior to 1978
    • $1 million excess uninsured/underinsured motorist coverage for most risks ($25,000 included at no charge)

    Minimum Underlying Requirements

    • $500,000 personal liability or homeowners
    • $500,000/$500,000/$100,000 or $500,000 combined single limit for automobiles, watercrafts under 50 feet and recreational vehicles in most states
    • $1 million/$1 million/$100,000 or $1 million combined single limit for admitted accounts in Missouri and high risk applicants or household with drivers 76 or older

    MOST COMMON INELIGIBLE RISK CHARACTERISTICS

    • Risks in the name of a corporation or farm exposure in the name of a corporation
    • Underlying farm liability coverage written on a commercial form (exception is business auto)
    • Farm operations include confinement, manufacturing, processing or slaughtering
    • Horses are boarded, bred, raced, trained or given lessons
    • More than one major violation in the household
    • Operator over age 22 with a DUI lives in same household as a youthful operator
    • Primary residence located in AK, LA or WV

    NOTE: Ineligible risk characteristics include, but are not limited to, those listed above.

    Business Resource Center, Provides centralized access to business solution vendors for all policyholders

      • Human resources services
      • Pre-employment and tenant screenings
      • Identity theft protection
      • Marketing resources

    Call 1-888-875-1969 for an Instant Phone Quote