A&M Excess & Umbrella Program
If a risk doesnt qualify for RLI, try Anderson & Murison's Primary and Excess Umbrella Liability insurance.
Limits up to $10 million available (as of 1/15/22 Max limit will be $5 million)
Ideal for risks that have drivers with multiple violations/accidents
Will consider high profile personalities such as elected officials, athletes, media personalities & entertainers
Will consider risks with prior liability losses exceeding $25,000
Drivers over age 75 acceptable with two violations can be considered
Drivers under age 22 can have minor violations
Driver exclusion endorsement available for drivers with unacceptable driving records
Written on A rated Scottsdale/National Casualty paper
Target Market & Eligibility
Clients with substantial assets, or high current and future income need high limits of liability protection. Homeowners and Automobile Liability policies are often inadequate in providing necessary protection against catastrophic liability claims.
The Anderson & Murison Personal Excess Policy (A&M PEP) is a stand-alone personal umbrella policy that has been designed to meet the diverse needs of your insureds. Scottsdale is an admitted carrier and is "A" rated by A.M. Best. Anderson & Murison, Inc. represents Scottsdale as the national administrator of the Personal Excess Policy. A&M has underwriting and policy issuance authority and as such, is your connection to both the primary Personal Excess Policy and the excess Personal Umbrella Policy.
Ineligible Risks
Business pursuits including policies written in corporate name
No underlying CPL
Risks with commercial underlying policies - OL&T's are acceptable
Open claims of any type can be considered with insurer's approval
Primary Personal Umbrella Policy
$1, $2, $3 $4, $5 and $10 million in liability coverage (effective 1/15, $5 million max)
- Up to $5 million in coverage is available in most states
Insureds with several moving violations are acceptable
Insureds with one DUI (over a year old) or other major violation can be considered
Driver exclusions are available
- UM/UIM coverage up to $1 million is available
Motorcycles, ATVs, snowmobiles & personal watercraft okay
Residential farms up to 1200 acres are usually acceptable
Coverage for vacant land, apartment units & rental units
Entertainment, sports & political personalities are acceptable with special rating
Worldwide Coverage
Excess Personal Umbrella Policy
Use this policy in combination with the primary umbrella policy to provide very high limits of coverage for very low premiums!
$1, $2, $3 $4, $5 million limits in excess of underlying umbrella
Entertainment, sports & political personalities are acceptable with special rating
Worldwide Coverage
Questions? Contact Anderson & Murison at 800-234-6977 ext 260 or personalumbrella@amqts.com.
