Personal Umbrella for Standard Applicants

Our Personal Umbrella for Standard Applicants is designed for individuals with acceptable, but not perfect driving records, mid-sized watercraft, and/or multiple home and automobile exposures. It is available for individuals who do not have local or national name and face recognition.


  • True Umbrella coverage
  • Limits available up to $10,000,000 for risks that qualify
  • $25,000 of Excess Uninsured/Underinsured Motorists coverage included in the basic premium. Additional excess UM/UIM limits are available
  • Personal Injury Protection automatically included when provided by underlying coverage
  • First dollar coverage for Non-owned Watercraft and Recreational Vehicles
  • A.M. Best rated A++ carrier


  • Coverage available for vehicles, motorcycles, jet skis and
    recreational vehicles
  • Underlying coverage on a Personal lines form except for underlying Business Auto or Garage forms
  • One at fault accident
  • Up to four violations in the household
  • Unlimited number of watercraft if less than 25 feet
  • Up to one watercraft 26-50 feet


  • Fast and easy access to quote this product on our website
  • Quick turnaround time on submissions
  • Superior Policy Issuance

For more information regarding Personal Umbrellas or for a quote, please contact Denise Borrelli.