1.

• Personal liability (including some combination of slander, libel, defamation of character, invasion of privacy, wrongful entry or eviction, and other similar exposures).
• Not-for-profit directors and officers coverage.
• In some states, certain first party coverages, like uninsured and underinsured motorists coverage.

2.

• Your assets exceed your existing personal umbrella coverage.
• You need to protect your future earnings from a personal liability lawsuit.
• You have a higher than average exposure to a personal liability lawsuit. For example:
  • You are financially responsible for the actions of an inexperienced or elderly driver.
  • You donate time to the board of a not-for-profit organization.
  • Your address makes you a target for a lawsuit.
  • Your income makes you a target for a lawsuit.
  • Guests are frequently on your property.

3.

• The limit of our excess personal umbrella policy is an aggregate limit. Under our excess personal umbrella policy, you will be covered in a first occurrence up to the aggregate limit. If you exhaust your aggregate limit in the first occurrence, there will be no coverage for additional occurences during that policy period. However, if you do not need the full aggregate limit in a first occurrence, you will continue to be covered in additional occurences until you have exhaused your aggregate limit.
  In contract, your underlying personal umbrella policy may not have an aggregate limit. Although your coverage is limited to the per occurrence limit for any given occurrence, you theoretically may have coverage for an unlimited number of occurences.
• Similarly, to keep prices as low as possible, our excess personal umbrella insurance requires that any dispute you have with us be settled by arbitration and not by a lawsuit.
• Under some circumstances, courts have found an occurrence can be continuous in nature and can span multiple policy periods. In such a circumstance, our excess personal umbrella insurance will respond only if the occurrence commences during the policy period.
• The coverage terms sometimes differ between states, please refer to the policy.
• Our excess personal umbrella policy will not provide coverage for business activities or professional services conducted by any insured.
• We will not provide coverage for the rental of any property you own.

4.

• Excess personal umbrella insurance is not broader than your underlying personal umbrella policy, and in some cases may be narrower. It provides coverage for any claim covered by your underlying personal umbrella policy. However, it has limitations that your underlying personal umbrella policy may not have (please see Question 3 above).
• Any claim denied by your underlying personal umbrella insurer will not be covered by this excess personal umbrella insurance.
• If your underlying personal umbrella insurer becomes insolvent and is unable to pay your claim, your excess personal umbrella insurance will not drop down to pay the underlying insurer’s obligation. In such an event, you will retain the responsibility for the underlying insurer’s portion of the loss.
• Excess personal umbrella insurance is not a substitute for commercial insurance and will not provide coverage for your professional liability of a business you own.

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