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Why You Need A Personal Umbrella Policy

Why The Need For A Personal Umbrella Policy?

Traditional policies (homeowners, auto, etc.) don’t always provide all the insurance protection you need to safeguard your assets from some incidents, accidents, or lawsuits. Personal umbrella policies (also known as PUPs) are excess liability policies that provide an additional layer of protection to protect you and your family from this risk. Everyone needs one to protect their assets!

For example, if you have an auto policy with $250,000 per person / $500,000 per accident limits and your minor child causes an accident injuring several people in your car and several people in the other car, that causes the claim to go over your limits – an umbrella policy would cover the extra cost up to the umbrella policy limits. if you didn’t have an umbrella policy, this extra cost would come out of your assets.

Additionally, any personal lawsuit can easily deplete your insurance policy limits when excess liability policies provide a cushion.

Prime Insurance Company Personal Umbrella Policy

We can provide an umbrella policy that’s just the right fit, even when other carriers can’t. When traditional insurance markets can’t provide you with a personal umbrella policy, come to Prime. Our Personal Umbrella Policy provides additional liability protection to your homeowners, auto, and other personal insurance coverages. Don’t let inadequate insurance coverage leave you at risk. We can plug the leaks in your insurance coverage and provide the protection you deserve to safeguard you, your family, and your assets.


  • Maintain current homeowners/auto insurer
  • New drivers accepted – no age limits on drivers
  • Issues with DUIs can still be covered
  • Coverage available for uninsured and underinsured motorists
  • Adverse claims history
  • We can also protect celebrities, politicians, sports figures, high net worth individuals, high-end coastal residents, and more
  • Coverage for anything normal underwrites don’t like!

Contact Us

Protect your livelihood with a Prime Insurance Company Personal Umbrella Policy, today!

If you have questions, please call or email:
Rick J. Lindsey, Chairman & CEO of Prime Insurance Company

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