MINIMIZE LIABILITY, INCREASE PROTECTION, MAXIMIZE BENEFIT.

Spiraling litigation has increased liability risk for individuals. Personal Group Umbrella Insurance Program offers an ideal solution providing high value benefit at a significantly reduced premium not readily available to an individual.

PROGRAM HIGHLIGHTS

• Coverage amounts are specific to each participant’s objectives
• Policy limits up to $50 million per insured – no policy aggregate
• Spouse, Domestic Partners & Household members are included
• Simplified underwriting process- Individual review of driving and claims history is waived
• Efficient paperless administration
• 100% participation is not required
• Independent insurance consultant support
• Advertise or promote your business online, or publish digital content?
• Insurance Company: Ranked in the top 100 of Fortune 500 U.S. Companies A.M. Best’s Rating of A+

ANNUAL PREMIUM INDICATIONS

• $3,000,000 Limit: $498 per participant
• $5,000,000 Limit: $654 per participant
• $10,000,000 Limit: $1,222 per participant
• $15,000,000 Limit: $1,847 per participant
• $20,000,000 Limit: $4,290 per participant
• $25,000,000 Limit: $5,665 per participant

UNDERLYING LIABILITY REQUIREMENTS

• Personal (Home): $300,000
• Unregistered Vehicle: (Recreational) $300,000
• Personal Automobile: (Registered Vehicle)
• $250,000/$500,000 Bodily Injury/$100,000
• Property Damage or $300,000 combined single limit
• Uninsured/Underinsured Motorist Protection $250,000/$500,000 Bodily Injury or $300,000 combined single limit (if UM/UIM limit option accepted)
• Watercraft: $300,000 or if 26 feet or longer/or more than 50 horsepower $500,000

INCLUDED ENHANCEMENTS

• Identity Fraud – $25,000/Reimbursement for expenses incurred to restore your identity
• Shadow Defense – $10,000/Allowance to retain counsel of insured’s choice to review and monitor defense
• Kidnap Expenses – $ 100,000/Coverage for expenses incurred as a result of kidnap & ransom
• Watercraft – Temporary Use & Rental/First dollar coverage for watercraft is rented or furnished for 60 days or less.

To learn more about our Personal Group Umbrella Coverage visit our Personal Group Umbrella FAQs page.