Private Client Services
Personal Umbrella Insurance
An important asset protection vehicle for your net worth, future earnings and tangible assets.
A Common Misconception
Personal umbrella insurance is one of the most vital, yet often overlooked, aspects of a comprehensive insurance strategy for personal insurance needs.
Start the Conversation →This type of insurance extends beyond standard policies, providing an additional layer of liability protection, and is crucial for safeguarding assets against unforeseen claims and lawsuits.
A common misconception for high-net-worth individuals (HNWI) and ultra-high net worth individuals (UHNWI) is that they can only obtain $1–5 million in coverage, especially if they are currently with middle market carriers that only offer up to those limits. We represent multiple premium insurance carriers that recognize that the sophisticated need to be protected with sophisticated, robust insurance products and services.
Through various markets, we can offer some of the broadest umbrella coverage available with limits up to $100,000,000. As assets and exposures grow over time, it is necessary to readdress liability needs to make sure that there is adequate coverage in place. Having teenage drivers, pools, secondary homes, ATVs, snowmobiles, and watercrafts all come with their own fair share of liability concerns that can be addressed with personal umbrella coverage.
Key Capabilities
Options and Items to Consider
Items to consider:
Consider list loads from the CMS.
- Underlying Limits
- Umbrella limits
- Excess Uninsured/Underinsured Motorist Coverage
- Excess Uninsured/Underinsured Liability Coverage
- Worldwide coverage
- Personal Injury Protection
- Personal Employee Practices Liability
- Not-for-Profit D&O coverage
- Group Personal Excess
Not sure what your current policy actually covers?
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