Layered liability protection for individuals and families with significant assets, public profiles, or elevated personal risk exposures. When your underlying policies reach their limits, umbrella coverage responds.
A single umbrella policy sits above your homeowners, auto, watercraft, and other personal liability policies. When an underlying limit is exhausted, the umbrella responds — covering defense costs, settlements, and judgments up to the umbrella limit. Typically written in $1M increments up to $10M or more.
For individuals with complex asset structures, excess liability policies can be layered above a primary umbrella to achieve total liability protection in the $25M–$100M range. Essential for executives, public figures, board members, and family offices with significant net worth at risk.
Umbrella policies can be structured to include excess uninsured and underinsured motorist coverage — protecting you and your family when the at-fault party carries insufficient auto liability limits. A critical gap in most standard programs.
Select umbrella programs include access to crisis management services and reputation protection resources. When a liability claim becomes a public matter, having coordinated response support alongside your coverage can be the difference between containment and escalation.
Share your asset profile for a confidential umbrella coverage review.