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
Program Comparison
Current Program
$1M Limit
Optimized Structure
$5M Limit
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
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
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
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
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
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.