Personal Umbrella & Flood
Excess liability protection from $1M to $5M+ shielding personal savings from catastrophic civil litigation, paired with primary and excess flood underwriting.
Personal Excess Umbrella
Standard auto and home liability limits cap out at $300,000 or $500,000. If a serious auto accident or swimming pool injury results in a multi-million dollar judgment, your wages, savings, and future retirement accounts can be seized.
- ■ $1,000,000 to $5,000,000+ Excess Limits
- ■ Worldwide Coverage for Lawsuits Anywhere on Earth
- ■ Defense Legal Fees Paid Outside Policy Limits
Primary & Excess Flood
Homeowners policies fundamentally exclude rising water and storm surge. Standard NFIP federal flood policies cap building coverage at $250,000. We deploy private excess flood policies to cover the full replacement cost of your home.
- ■ National Flood Insurance Program (NFIP)
- ■ Private Market Flood Underwriting
- ■ Excess Flood Building Limits Over $250,000
Structure Your Umbrella & Flood
Lock in excess liability and storm surge protection.