TRU Umbrella Coverage

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Why The Need For A TRU Umbrella Policy?

Problem: Primary homeowners and business policies have exclusions. New exclusions continue to be added:

  • Animals
  • Diving boards, pools, trampolines
  • Recreation vehicles and
  • High value items and collections
  • Self-Defense
  • Firearms*
  • Business operations and vehicles
  • And more

Umbrella policies require that primary coverage is in place. Most policies have GAPS and GRAY areas that Prime TRU Umbrella can cover.

*This policy may not be offered in every state depending on applicable state and local laws.

Solution: Prime TRU Umbrella identifies these GAPS and GRAY areas in Home, Work and Play Activities and fills the gaps and exclusions with customized TRU Umbrella coverage for individuals and businesses.

In other words, Prime can help you write the business liability coverage you have difficulty placing. We offer a TRU Umbrella when others offer cookie-cutter policies. We tailor solutions for specific risks and fill the coverage gaps that exist in personal and commercial policies.

Don’t Settle for “Good Enough” Coverage

Enhance protection with Prime TRU Umbrella!

How complete is their coverage?

Insurance is an essential protective measure, but policies (homeowners, auto, business, etc.) don’t always provide all the insurance protection your clients need to safeguard their assets from some incidents, accidents or lawsuits.

Some claims don’t fall within the limitations of a policy, exceed the maximum policy limit, or are considered an exclusion – What happens then?

What happens when a claim isn’t covered by a policy?

When a claim isn’t covered by a policy, or exceeds policy limits, the insured is liable to pay for any uncovered costs from their own pocket.

Some liability claims can exceed policy limits and run into the hundreds of thousands of dollars.

What Makes the Prime TRU Umbrella Different?

Our TRU 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 TRU 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. TRU Umbrella

standard umbrella insurance

A standard umbrella policy is useful for extending coverage limits to address some extraneous circumstances. But even though Umbrella policies are a useful addition to standard policies, they can still fail to address key areas where you need coverage…

tru umbrella vs standard umbrella

… Adding a TRU Umbrella solution to existing coverage can help you address possible gaps and exclusions. TRU Umbrella provides the flexibility to schedule coverage for specific risks that may not be covered by other policies.

Why TRU Umbrella?

Enhancing Coverage: TRU Umbrella is designed to address weaknesses in existing coverage. Custom-made to fit your client’s unique needs, it can provide protection that other policies can’t or won’t cover.

Flexible Coverage: Standard policies often won’t cover the unique areas that matter the most. A TRU Umbrella policy is custom-built to address your client’s specific needs.

More Coverage In One Place: Prime’s “all-in-one” approach allows coverage of more needs in one policy, and manage more of your coverage in one place.

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!

Get a Quote!