Insurance Specialists, Inc.
 
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PERSONAL UMBRELLA INSURANCE PROGRAM
Why Buy An Umbrella?
Program Highlights
Required Insurance
Pricing & Payments
Application
FAQs
Exposures Coverages Minimum Required Underlying Limit
Automobile Liability
(Owned, leased or rented)
Bodily Injury
Property Damage
-or-
Combined Single Limit
$250,000 per person, $500,000 per occ. $50,000 per occ.

$500,000 per occ.
Personal Liability
(Homeowners, Condo Owners, Tenants, CPL)
Combined Single Limit $300,000 per occ.
UM/UIM Bodily Injury
Property Damage
-or-
Combined Single Limit
$250,000 per person, $500,000 per occ. $50,000 per occ.

$500,000 per occ.
Watercraft Liability Combined Single Limit $300,000 per occ for watercraft under 26 ft. or under 50 HP

$500,000 per occ for watercraft 26 ft or more or 50 HP or more.
Recreational Vehicle Liability Combined Single Limit $300,000 per occ.
Employers Liability Combined Single Limit $100,000 per occ.

 

 

 

* Coverage provided by the Personal Excess policy shall be in excess of the minimum underlying coverages and limits above, regardless of whether those have lapsed or are not in force.

 

 

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