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Personal Umbrella Policy

Burns & Wilcox now ranks as North America's largest and most capable independently owned insurance wholesaler. - (insurance, insurance agents, wholesaler, insurance wholesaler, burns and wilcox, specialty insurance, property insurance, agents, finance, insurance carriers, professional liability, general liability, independent insurance agents, insurance company, vacant building, environmental, personal umbrella, professional liability, professional liabilities, errors and omissions, miscellaneous errors and omissions,jewelers block, high value homeowner, umbrella excess, employment practices liability, director and officers,director and officers insurance - 11/20/2008 12:00:00 AM)

Unforeseen accidents can happen at any time. They may cause damages and lawsuits that exceed your clients underlying homeowners and auto liability limits. The Personal Umbrella programs offered by Burns & Wilcox provide additional protection for these unexpected events.

Product Features:
  • Admitted and non-admitted markets available
  • Direct bill available with admitted markets
  • Primary coverage limits available up to $20 million
  • Excess coverage limits available up to $100 million
  • Drivers with alcohol related offenses and multiple accidents/tickets eligible
  • Coverage available for celebrities including high profile entertainers, professional sports figures and politicians
  • Multiple residences and autos eligible
  • Coverage for motorcycles, recreational vehicles, boats and personal watercraft
  • Security of insurance carriers rated “A” or better by A.M. Best

Minimum Attachment Points:
  • $300,000 CSL for Homeowners or CPL
  • $250,000/$500,000/$100,000 or $300,000 CSL for all underlying automobile, recreational vehicles and watercraft exposures
  • $500,000/$500,000/$100,000or $500,000 CSL for drivers under age 25 with any MVR activity
  • Underlying carriers must be rated “B+” V or better by AM Best

Online Quoting and Applications Available! Visit burnsandwilcox.com or your local office website!


  EPLI
Non-Profit D & O
Professional Liability
Jewelers Block
Umbrella Excess
Miscellaneous E & O
High Value Homeowners
Personal Umbrella
Child Care
Custom Motorcycle
Large Property
Environmental Coverage
Vacant Buildings
Restaurant/Deli
Hard-To-Place Manufacturers