Personal Umbrella

Nuts & Bolts: Superior Access expanded its personal umbrella programs with two new carriers, both rated “A” (Excellent) by A.M. Best. Agent commissions are 10 percent on both new and renewal business for both programs.

Dollars: Program 1:limits from $500,000-$2M.Underlying limits:$100/300/$50 on auto;$300,000 CSL on home or CPL;watercraft is $300,000 CSL & $500,000 CSL on rental units.Program 2:$1M-$5,000.Required underlying limits are the same.

States Available: Program 1—AL, CA, NV & TX. Program 2—AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.