True Umbrella Coverage

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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.

What Makes the Prime True Umbrella Different?

Our true umbrella is different as we want to help the insured use the market to their advantage. If they have or can get good inexpensive terms, we urge them to do so and we write the gaps, exclusions, limitations as needed. The Prime True Umbrella schedules activities and operations and perils, where other carriers do not schedule much other than what the umbrella is over.


Here’s a brief overview of our umbrella liability coverage:

  • 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
  • Celebrities, politicians, sports figures, high-net-worth individuals, and high-end coastal residents
  • Coverage for emerging risks

Standard Umbrella Policy vs. True Umbrella

A standard umbrella policy can extend coverage limits but even though umbrella policies are a useful addition to standard policies, they can still fall short of providing the coverage your client needs.

A true umbrella policy will also extend coverage limits but can actually fill all the gaps and exclusions that your client needs. With a True Umbrella, they have the flexibility to schedule coverage for specific risks that can’t or won’t be covered by standard policies.

About True Umbrella Coverage

Liability exposure is an unfortunate fact of life. An incident that causes injuries or property damage to another can occur when someone is driving a car, entertaining guests in their home, or even while walking the dog in their neighborhood. If an injured party decides to sue, individuals might have to pay a substantial settlement that could wipe out their assets.

Liability insurance exists to cover these exposures and reduce the policyholder’s risk. As an insurance agent or broker, you likely offer it to your clients to protect their homes, autos, and other valuable items. But traditional policies (homeowners, auto, etc.) don’t always provide all the insurance protection your clients need to safeguard their 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 your clients and their families from this risk. Everyone needs one to protect their assets!

Prime Insurance Company can provide umbrella insurance coverage that meets your clients’ unique coverage needs and gives them peace of mind. They’ll sleep better knowing they’ve taken an extra step to safeguard their assets and protect their family’s financial future. And as their agent, you’ll know you’ve delivered the best plan for their situation.

Why Prime Insurance Company?

Prime Insurance Company provides solutions that can’t be found anywhere else. Some carriers may not be able to provide the coverage the insured needs, and that’s where Prime steps in to fill that gap. We don’t compete with the policyholder’s current carriers, but we are here to provide them with coverage when they can’t find it anywhere else.

When other insurance partners say no, we can often say yes.

Umbrella Coverage Backed by Excellent Service

Another factor that separates us from the other umbrella insurance providers is our sincere commitment to service. Prime has:

  • Flexible underwriting: Our in-house underwriting team can develop innovative coverage solutions that often provide applicants with multiple coverage options that they might not find anywhere else.
  • A risk management partnership: We collaborate with producers and policyholders to find ways to lower insurance costs by minimizing exposure. Our risk management team will conduct on-premises visits to assess the situation and make informed recommendations.
  • Exceptional claims support: With Prime, policyholders and agents get extraordinary claims management, including a 24/7 claims hotline. We work hard to settle all claims promptly and fairly while keeping policyholders informed every step of the way.

In short, we are not just an insurance carrier but a partner who offers outstanding solutions and services. We provide customization and flexibility!

Reliable Support for Producers

If you’re an agent or broker looking to grow your business, umbrella insurance from Prime gives you another option to present to your clients. Other ways we support producers include:

  • A partnership approach: When you work with us, you’ll partner with an insurance entity that will work closely with you during the underwriting process and beyond. We offer a personal connection that many of our competitors can’t deliver.
  • Access to financing: Because of the higher risk exposure, umbrella insurance is often more expensive than traditional coverage. We can offer premium financing that can make paying for coverage more manageable for your insureds. We offer this program through our affiliate, Greenlight Premium Finance.
  • No restrictions or limits: You never need to reach a premium or volume threshold when you write umbrella insurance coverage through Prime. You can generate as many or as few policies as you need.
  • Profit-sharing opportunities: Another way Prime strives to maintain lasting relationships with producers is by offering an innovative profit-sharing program. You can improve your long-term financial standing by writing business with us.

A Highly Rated, Financially Stable Umbrella Coverage Provider

Producers and policyholders both want to partner with a provider with a solid financial standing and can pay its claims. Prime has earned an “A” (Excellent) rating from AM Best, a reputable credit rating agency serving the insurance industry since the end of the 19th century. You and your clients can choose us for umbrella insurance coverage with total peace of mind.

Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc. The most current Financial Stability Rating® must be verified by visiting

Commercial Umbrella Insurance Is Also Available

Does your client own a small business? Besides providing a PUP to protect their personal assets, we can offer a commercial umbrella plan that gives extra liability coverage over and above the base business auto and property policies.

What To Submit

When your client is ready to apply for umbrella liability coverage, we’ve simplified the process to save time and hassles. Please submit the application and a copy of all underlining policies to start. We’ll then contact you to set up a convenient time to discuss the risk in more detail. Once we’ve reviewed all the information, we’ll issue a no-obligation quote as soon as possible. If your client chooses to move forward and pay the initial premium, we’ll bind the coverage right away.

Contact us at 877-243-8181 or if you have any questions!

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