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Premium protection

Personal Insurance

When Standard Limits
Aren't Enough

Personal umbrella coverage structured around your full asset profile — ensuring your wealth is protected above every underlying policy in your program.

High net worth individuals face higher liability targets. A $1M umbrella is rarely enough — we right-size your protection to match your exposure.

Our Process

Review. Align. Elevate.

We review your full liability tower — home, auto, boat, and umbrella — to identify gaps between underlying limits and umbrella triggers, and right-size your total protection.

Our advisors analyze your complete personal insurance program to ensure your underlying policies meet umbrella attachment requirements, identify excess UM/UIM gaps, and confirm your total limit is appropriate for your net worth and lifestyle.

Technology does the heavy lifting. Human judgment makes the decisions.

You receive:

  • Total liability tower review
  • Underlying limit alignment check
  • Net worth vs. limit benchmarking
  • No obligation to proceed

Liability Tower Analysis

55%
Adequate
30%
Misaligned
15%
Gap Found
Umbrella limit vs. net worthMisaligned
Excess UM/UIM coverageGap Found
Underlying attachment pointsAdequate

Program Comparison

Current Program

$1M Limit

Tower gaps2 found
Limit adequacyInsufficient

Optimized Structure

$5M Limit

Tower gaps0 found
Limit adequacyAppropriate

Your Umbrella Proposal

Review your customized personal umbrella coverage recommendations

Umbrella Limit

Current Coverage

$1M Umbrella

Annual Premium

$680

Proposed Coverage

$5M Umbrella

Annual Premium

$1,240

Increased umbrella limit from $1M to $5M+$560
Appropriate for high net worth profile and assets
Covers legal defense costs outside limits
Enhanced ProtectionUpgrade

Why It Matters

Your net worth is the target. Your umbrella is the shield.

A single catastrophic accident, lawsuit, or judgment can exceed $1M in today's litigation environment. For high net worth individuals, a properly sized personal umbrella is one of the most cost-effective ways to protect accumulated wealth.

What We Cover

Every Liability Exposure, Elevated

From catastrophic accidents to domestic employment claims — every personal liability exposure, covered above your underlying policies.

Excess Liability Above Underlying

Sits above your home and auto policies to provide additional limits when a catastrophic claim exhausts underlying coverage.

Coverage Includes

  • Coverage above home, auto, and boat policies
  • Seamless with underlying tower
  • Worldwide protection
  • Defense costs outside limits
Excess Liability Above Underlying

Personal Liability Extension

Broader personal liability coverage that covers situations and activities your underlying policies exclude or have insufficient limits for.

Coverage Includes

  • Libel and slander coverage
  • Invasion of privacy claims
  • Rental property liability
  • Volunteer and board activity coverage
Personal Liability Extension

Auto & Watercraft Excess

Additional limits above your personal auto and watercraft policies — critical when accident injuries or property damage claims exceed base limits.

Coverage Includes

  • Excess over personal auto liability
  • Watercraft and boat excess
  • Recreational vehicle coverage
  • Foreign travel auto exposure
Auto & Watercraft Excess

Employment & Domestic Staff

Liability protection for claims by household employees — including domestic workers, nannies, and personal staff employed at your residence.

Coverage Includes

  • Domestic employee injury claims
  • Employment practices liability
  • Wrongful termination of household staff
  • Workers compensation coordination
Employment & Domestic Staff

Who We Serve

Anyone With Assets Worth Protecting

Umbrella coverage is one of the most cost-effective forms of personal insurance — and one of the most commonly under-sized. We right-size it for your specific profile.

High Net Worth Individuals

Significant assets require significant protection. We build umbrella towers that cover the full gap between underlying policy limits and your true exposure.

Property Owners

Landlords and vacation home owners face elevated premises liability that underlying policies rarely cover adequately beyond $300K.

Households with Staff

Families with domestic employees, nannies, and personal staff need employment practices liability protection added to the umbrella program.

Your wealth deserves protection that scales with it.

No obligation. Confidential review. Built around your full personal program.