Personal excess
Personal umbrella
Additional personal-liability limits over specified home, auto, and other eligible underlying policies.
A personal umbrella application typically reviews household drivers, residences, vehicles, watercraft, youthful operators, rental properties, and the limits maintained underneath it.
A fit to explore for
- Households seeking additional liability limits
- Property owners with personal exposures
- Households with multiple vehicles or homes
- Eligible rental-property owners
- Clients coordinating broader insurance programs
Common considerations
- Required underlying limits
- Drivers and vehicles
- Residences and rental units
- Watercraft and recreational exposures
- Excluded activities
Questions
A clearer place to begin.
Start with the practical details that shape the application and review.
Does an umbrella cover every personal activity?
No. Eligibility, underlying requirements, exclusions, and policy wording determine what is covered.
Can commercial exposures sit under a personal umbrella?
Generally they require separate review. Do not assume a personal umbrella responds to business or commercial-property activity.
Start a conversation
Send us the risk.
Share the building, occupancy, timing, and current coverage. We’ll review it and come back with the next useful step.