Personal Group Umbrella Insurance Program



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.


  • 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+



  • $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



  • 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



  • 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.


Cherry Bekaert Benefits Consulting, LLC is a Chernoff Diamond Affiliate. Chernoff Diamond & Co., LLC is a Managing Member of Cherry Bekaert Benefits Consulting. Chernoff Diamond & Co., LLC offers Investment Advisory Services through M Holdings Securities, Inc., A Registered Broker/Dealer, Member FINRA/SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. Chernoff Diamond & Co., LLC is independently owned and operated. Chernoff Diamond & Co., LLC, is a member of M Financial Group. Please visit for further details involving this relationship.

Chernoff Diamond and their registered representatives are currently licensed to sell variable life and annuity products, as well as other securities products, in the states of California, Connecticut, Florida, Georgia, Maryland, Massachusetts, Missouri, New Jersey, New York, North Carolina, Pennsylvania, Virginia, Wyoming and Washington DC. Residents of other states should consult with a local registered representative for securities products.

Proper state registration is mandatory prior to conducting business in any state.

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