Personal Umbrella Program

Western National’s Personal Umbrella Program includes the following options to meet the needs of today’s insurance consumer:

  • Limits up to $5,000,000
  • Optional Uninsured/Underinsured Motorist Coverage- $1,000,000 LimitUnderlying Coverage and Carrier Requirements
  • Available coverage for recreational vehicles and watercraft

Underlying Coverage and Carrier Requirements

7/1/2024
Underlying Liability Coverage Must Be Insured With Western National (Y/N) Limits Required
Personal Auto Yes $250,000/$500,000/$100,000
($250,000/$500,000 UM/UIM) or $500,000 CSL
Primary Home Yes $300,000
Seasonal Secondary Home No $300,000
Rental Dwelling No $300,000
Recreational Vehicle No $250,000/$500,000 or $500,000 CSL
Watercraft No $300,000

Guidelines

7/1/2024
Risk and Driver Eligibility
Insureds

Eligible

  • Named Individual
  • Domestic Partners
  • Married Couple

Ineligible Risks

  • Named Non Owner Policies
  • Transportation Network Drivers
  • Uncompensated Board Members (Requires underwriting approval)
  • LLCs
Underlying Policies Eligibility Must meet Western National' s underwriting new business eligibility requirements for the corresponding line of business
Driver Eligibility

Licensed Drivers

  • Auto violations: No more than 1 minor violation and no more than 2 per household; No major violations in 5 years
  • At Fault Accident: Youthful operators may not have an at fault accident in the past 3 years; no more than 1 per household in the past 3 years Unlicensed Drivers
  • Operators of ATV, motorcycle, snowmobile and watercraft that are unlicensed must complete appropriate operator certificate

Premium Information

Western National’s Personal Umbrella minimum premium is $200. Western National makes additional premium charges for the following:

  • Limits in excess of $1,000,000
  • Additional autos, including collector cars, unlicensed recreational vehicles, non-owned vehicles, and vehicles operated outside the U.S. or Canada
  • Youthful operators
  • Uninsured Motorist Coverage
  • Additional residences owned by the policyholder
  • Additional liability exposures (i.e.. swimming pools, hot tubs, trampolines, etc.)
  • Business exposures
  • Watercraft, snowmobiles, ATVs, motorcycles etc.

Western National’s Personal Umbrella is subject to a $250 retention limit
New applications may be required to increase umbrella limits to 3 million or more