Trouble Seeing this Email? Try viewing it in a web browser.

Personal Umbrella for High Risk Drivers


This product is designed to insure risks that are typically placed in non-standard auto markets.

Eligible Risks Include, but not limited to:

  • Operators 90 years of age or older
  • Applicants who are considered high profile
  • Households with up to ten violations and five accidents
  • Households with up to two drug and/or alcohol related offenses
  • Risks with protected pools
  • Applicants with pets that are not excluded by primary policies
  • Applicants with incidental business activity
  • Risks with Underlying Business Auto or Garage Coverage
  • Applicants with open liability claims
  • Households with up to 3 major convictions
  • Individual operators with up to 2 major convictions

Product Advantages:

  • True umbrella coverage
  • No self-insured retention
  • Worldwide coverage
  • Broad definition of Bodily Injury
  • Personal Injury protection automatically included when provided by underlying coverage
  • UM/UIM available
  • A.M. Best rated A++ carrier
  • Limits up to $5,000,000
  • Excess UM/UIM limits up to $1,000,000

Minimum Attachment Points:

  • $250/$500/$100 or $300 CSL for all Personal Liability and Recreational Vehicles
  • $500/$500/$100 or $500 CSL for all Automobile Exposures
  • $250/$500/$100 or $300 CSL for watercraft up to 25'
  • $500/$500/$100 or $500 CSL for watercraft 26-50 or any DUI risk
  • $1 MIL/$1 MIL/$1 MIL CSL for all Automobile and watercraft for any risk with an operator 90+

Youth Sports Organizations - Non Profit Package

Our All-In-One product is specifically designed to meet the needs of Non Profit youth Sports Organizations by providing General Liability, Property, Inland Marine, Directors & Officers and Employment Practices Liability coverage all on one policy!

Basketball Hoop

General Liability Features:

  • General Liability limits up to $1,000,000/$3,000,000
  • Coverage is available for the organization's athletic participants
  • Abuse and Molestation sublimit at no additional charge
  • Assault and Battery sublimit at no additional charge
  • Fundraisers and certain special events included at no additional cost
  • Landlord listed as Additional Insured for no additional cost
  • Hired and Non-Owned Auto coverage available in most states
  • No General Liability Deductible

Property Features:

  • Property limits up to $3,000,000
  • Special Coverage form available with Replacement Cost
  • Inland Marine for sports equipment

Directors & Officers/Employment Practices Features:

  • Separate Limits of Liability with Unlimited Defense Cost outside the limit
  • Lifetime Occurrence Reporting Period for former Directors and Officers
  • Automatically includes Third Party Discrimination and Harassment

Additional Advantages:

  • A.M. Best rated A++ carrier
  • Quick quote turnaround
  • Superior policy issuance
  • Low minimum premium
  • Commercial Umbrella & Crime coverage options

Bar & Restaurant Product - Package

Product Features:

  • Bar and Taverns with alcohol sales of 50% or greater
  • Commercial Property, Commercial General Liability, Liquor Liability written on one policy
  • Accounts with Dancing and Entertainment are eligible
  • Available as a Package

Optional Features Available:

  • Money and Securities coverage
  • Equipment Breakdown - includes food spoilage up to $25,000
  • Glass
  • Valuable Papers coverage
  • Account Receivables coverage
  • Signs coverage
  • Employee Dishonesty coverage

Limits of Insurance:

Property limits up to:

  • $750,000 per location in protection class 1-8
  • $250,000 per location in protection class 9-10
  • $500,000 in coastal areas

Liability limits up to:

  • $1,000,000 each occurrence
  • $1,000,000 Personal and Advertising Injury
  • $1,000 Medical Payments
  • $100,000 Damage to Premises Rented
  • $1,000,000 Products/Completed Operations Aggregate
  • $2,000,000 Aggregate (other than Prod/comp ops)

Liquor Liability limits up to:

  • $1,000,000 per occurrence/aggregate

Additional Advantages:

  • A.M. Best rated A++ carrier
  • Quick quote turnaround
  • Superior policy insurance
  • Low minimum premium

Need a quote? We'll get it to you fast!

Check out our website or give us a call for an application today!