Personal Umbrella Program

Umialik'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 Limit Underlying Coverage and Carrier Requirements
  • Available coverage for recreational vehicles and watercraft

Underlying Coverage and Carrier Requirements

Underlying Liability Coverage Must Be Insured With Umialik Limits Required
Personal Auto Y $250,000 / $500,000 / $100,000 or CSL $500,000
Primary Homeowner Y $300,000
Seasonal Secondary Home Y, if in Alaska $300,000
Rental Dwelling Y, if in Alaska $300,000
ATV N $300,000
Watercraft, Snowmobiles, etc. N $300,000
9/1/2022

Guidelines

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 Umialik'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, snowmachine and watercraft that are unlicensed must complete appropriate operator certificate

Premium Information

Umialik’s Personal Umbrella minimum premium is $200. Umialik 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, snowmachine, ATVs, etc.

Umialik’s Personal Umbrella is subject to a $250 retention limit

New applications may be required to increase umbrella limits to 3 million or more