Product AdvantagesTrue umbrella coverageNo self-insured retentionWorldwide coverageBroad definition of Bodily InjuryPersonal Injury coverage included if covered by primary policyUM/UIM coverage offered up to $1 million in all statesEligibility CriteriaOperators under 23 or over 75 who have had up to three violations and two accidentsUnlimited number of vehicles (including motorcycles and motorhomes) recreational vehicles, boats and personal watercraftResidences with protected swimming poolsWatercraft up to 26 feet in length not capable of speeds in excess of 50 mphApplications with liability claims up to $500,000Operators between the ages of 23 and 75 who have had up to four violations and three accidentsApplicants who are considered high profileHouseholds with up to 10 violationsHouseholds with up to two drug and or alcohol related offensesApplicants with pets that are not excluded on underlying policiesApplicants with an incidental business activityApplicants with underlying business auto or garage coverageApplicants with open liability claimsHousehold with up to 3 major convictionsIndividual operators with up to 2 major convictionsIneligible RisksAny risk where the named insured is other than an individual or husband and wifeUnderlying Coverage written on a Commercial General Liability Form except for Business AutoIndividuals with more than one drug or alcohol conviction or households with more than two drug or alcohol convictionsHouseholds with more than ten violations or five accidentsIndividuals convicted of a felonyApplicants with primary residence in Louisiana, West Virginia or outside the United StatesAny risk where land is leased to others for purposes of hunting, fishing or other sporting or recreational purposesWatercraft in excess of 75 feet or watercraft capable of speeds in excess of 50 mphOperators between the ages of 23 and 775 who have had more than four violations and three accidentsOperators under 23 or over 75 who have had more than three violations and two accidentsAvailable LimitsCoverage A limits up to $5,000,000Coverage B Excess UM/UIM limits up to $1,000,000Underlying Limit Requirements$250/500/100 or $300,000 CSL Personal liability and Recreational Vehicles$500/500/100 or $500,000 CSL for all automobile exposures$250/500/100 or $300,000 CSL for watercraft up to 25’ in length$500/500/100 or $500 CSL for watercraft 26’-50’ or any DUI risk$1,000,000/1,000,000/100,000 for all automobile and watercraft for any risk with an operator 90+Submission RequirementsUnited States Liability Insurance Personal Umbrella ApplicationReview of motor vehicle records will be required at binding for all operators in the household
Toll Free Fax: (888)335-6615
E-mail: service@braishfield.com
