top of page
usasia logo 4C copy.jpg
Man with an Umbrella

Excess Personal Umbrella



Coverage is designed for applicants who desire higher limits and already have a personal umbrella policy.

Ineligible Excess Personal Umbrella

Please note we cannot offer coverage to the following:

  • Risks in the name of an entity other than an individual, husband and wife, civil union, etc.

  • Underlying coverage written on a commercial form (exception is business auto)

  • Household individuals convicted of a felony in the past five years

  • Household totals for driving history exceed acceptable maximums

  • Operator over age 22 with a DUI lives in same household as a youthful operator

  • Primary residence located in AK, LA or WV

Available Coverage for Excess Personal Umbrella

Coverage is available for:

  • High profile individuals

  • Applicants with poor driving records including driving under the influence

  • Youthful operators under age 23 and operators over age 69

  • Boats up to 75 ft. in length and speeds up to 50 mph

  • Up to four at fault accidents per household

  • Drivers with up to five violations

  • Households with up to 10 violations among all drivers

  • Risks with farm or ranch locations

Coverage Limits Available for Excess Personal Umbrella

  • Up to $10,000,000 for preferred risks and up to $5,000,000 for all other risks/all risks in FL

  • $1,000,000 for risks in AL, IN, MS, NH or VT as well as risks in FL with youthful operators

  • Minimum underlying requirement of $1,000,000 primary personal umbrella



Claim Example for Excess Personal Umbrella

You own a beach house with some friends. While renting the property out to others over a weekend, the renters have a party and someone falls off the rear deck and breaks his/her legs, resulting in several surgeries. You’re sued for medical expenses and pain and suffering. Your underlying homeowners policy paid $300,000 and we paid an additional $225,000

You own several Harley-Davidson motorcycles. Your underlying automobile carrier will not increase limits over $100,000/$300,000. A chain reaction accident occurs involving a tractor trailer and Bodily Injury to all claimants exceeds the underlying automobile limits. The underlying auto carrier paid the limit of $300,000 and we paid an additional $200,000

You are using your brand new jet ski on a lake. You don’t see a water skier who is already in the water preparing to make another run. You accidentally strike the water skier, who is injured severely. The underlying watercraft carrier paid $500,000 in Bodily Injury limit and we paid and additional $1,000,000

You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.

Rain Storm
bottom of page