Product AdvantagesTrue umbrella coverageNo self-insured retentionIdentity theft resolution services includedWorldwide coverageBroad definition of Bodily InjuryPersonal Injury coverage included if covered by primary policyExcess UM/UIM coverage offered up to $1 million in all statesDriving record discounts of up to $40 per risk availableEligibility Criteria “Preferred”Unlimited number of drivers between age 23 and 754 or less violations per householdUp to 1 accident per householdDiscounts for no accidents: up to 2 violationsApplicants with pets if not excluded on underlying policiesUnderlying business or commercial auto is acceptableRisks with up to 100 acres that are vacant and not farmlandNon commercial additional insureds are acceptableApplicants with an incidental business activity endorsed on personal underlying coverageEligibility Criteria “Standard”Unlimited number of autos and recreational vehiclesUnlimited number of boats up to 25’ longDrivers under 23 and up to 894 or less violations per household3 or less violations – drivers under 23 or 76-89Up to 1 accident per householdApplicants with pets if not excluded on underlying policiesUnderlying business or commercial auto is acceptableRisks with up to 100 acres that are vacant and not farmlandNon commercial additional insureds are acceptableApplicants with an incidental business activity endorsed on personal underlying coverageIneligible 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 convicted of a felonyApplicants with primary residence in Louisiana, West Virginia or outside the United StatesAvailable LimitsCoverage A limits up to $10,000,000 for Preferred ApplicantsCoverage A limits up to $5,000,000 for Standard ApplicantsCoverage B Excess UM/UIM limits up to $1,000,000 ($25,000 included at no chargeUnderlying Limit Requirements$250/500/100 or $300,000 CSL Automobile, Boats and Recreational Vehicles$300,000 Personal Liability or Homeowners$500/500/100 or $500 CSL Auto and Watercraft exposures for Standard umbrella with under age 23 or 76-89Submission 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
