PERSONAL UMBRELLA
Liability Protection Built for California Risks
Excess Auto Protection
California’s congested freeways carry a higher risk for multi-car collisions. If you cause an accident that exhausts your primary auto liability limits, this vital layer steps in to shield your personal savings and future wages from devastating judgments.
Personal Wealth Security
Provides a financial shield against severe personal liability claims. Protects your home equity, savings, and investments if a guest is seriously injured on your property, a backyard barbecue turns into a lawsuit, or an incident occurs involving a household pet.
Rental Property Liability
If you own residential investment or rental properties, standard liability limits can fall short. This extends your umbrella limits to seamlessly protect your rental units, ensuring a tenant or property lawsuit doesn't jeopardize your personal savings.
Strategic Liability Placements
Flexible High-Limits
Whether you need a baseline $1 million safety net or a comprehensive $5 million asset shield, we customize limits to map perfectly over your existing accounts, shielding your home equity and investments from large-scale claims.
Excess Umbrella Placement
For high-net-worth households requiring protection beyond standard limits, a baseline umbrella may fall short. We structure specialized excess liability policies that layer seamlessly over your primary umbrella, securing an additional $5M to $10M in protection.
Multi-Carrier Options
We partner with multiple A-rated, financially stable carriers like Mercury and Travelers to secure optimal pricing. This independent advantage lets us seamlessly align an umbrella policy directly over your current primary coverage.