Personal Umbrella

This program will have you singing in the rain, providing $1 to 10 million limits for individuals and families.

Please call a personal lines underwriter at (800) 234-6977 ext. 260, or email your submission directly to

About Our Agency

As a privately owned independent insurance wholesaler, Anderson & Murison, Inc. is committed to you, the retail producer. Our goal is to deliver solutions for your clients unique, hard-to-place and specialty insurance needs. We have done this since 1965. We are a surplus line broker and hold licenses in 49 states.

We offer commercial and personal lines coverage for virtually all risks with the exception of auto and workers' compensation. We write this business only with "A" rated admitted and approved non-admitted insurers.

Coverage Available

  • Primary or Excess
  • Individuals and families
  • $1 to $10 Million limits

Underlying Requirements

  • Auto - $500/500/100 or $500,000 CSL (including motorcycles, snowmobiles and ATV's); $250/500/100 available for additional premium, subject to driver guidelines
  • Personal Liability - $300,000 CPL
  • Watercraft - $300,000 CSL, including personal watercraft, unless youthful operators - then $500,000 CSL required
  • Vacant Land - $300,000 CSL (refer to company)
  • All Rental Units - $300,000 CSL
  • Motor Homes - $500,000 CSL or $250/500/100


  • Underlying Carriers must have an AM Best Rating of B+V or better
  • Must be written in the name of an individual and/or spouse. No corporate names
  • Current MVRs required for all household drivers or any person having access to insured vehicles
  • Complete and signed application required for all accounts (including occupation - if self employed please clarify)
Effective Date: 08/25/2008