Excess Personal Umbrella

Be sure your clients are covered with our Excess Personal Umbrella policy. Limits from $1 to $10 million are available, as excess coverage over a personal umbrella policy through another carrier.

Contact your Underwriter at Sovereign or info@sovereignins.com or 800-843-0843

About Our Agency

Sovereign serves insurance professionals in New York, New Jersey, Pennsylvania & Massachusetts. All programs are not available in all states.

Underwriting Rules

May Effect Eligibility:

  • Risks with Farm or Ranching exposures
  • "Target" risks - such as professional entertainers, athletes, or political figures
  • Applicants who have had more than one Liability claim that exceeds $5,000 during the last five years
  • Applicant or other member of household who has been convicted of:
    • A major traffic conviction during the last three years unless that conviction is the only activity on the MVR
    • More than three moving convictions during the last three years
    • More than one at-fault accident during the last three years

Prohibited Business

Ineligible Risks:

  • Aircraft exposures
  • Business pursuits including policies written in corporate names
  • No underlying CPL coverage
  • Risk with commercial underlying policies except OL&T
  • Corporate owned vehicles (vehicles that are registered in a corporate/business name will be excluded unless the insured owns the corporation/business, then an Entity Controlled by the Named Insured Endorsement is added)
  • Racing boats are unacceptable
Effective Date: 03/07/2014