Coverage Overview
In today's litigious society, standard liability coverage may not provide adequate protection for Connecticut residents, especially those with substantial assets. Personal umbrella insurance provides an additional layer of liability coverage that begins when the limits of your underlying policies are exhausted, helping to protect your financial well-being from catastrophic claims.
Coverage from $1 million to $10 million or more above your standard policy limits
Protection for your home, vehicles, rental properties, boats, and more under one policy
Legal defense costs covered in addition to your liability limits
Coverage for claims that may be excluded by standard policies, such as libel, slander, or false arrest
What Our Personal Umbrella Coverage Includes
We offer comprehensive personal umbrella policies designed to provide the additional liability protection that Connecticut residents need.
Extended Liability Protection
Provides coverage above the limits of your home, auto, and other primary liability policies, protecting your assets and future income.
Legal Defense Coverage
Covers attorney fees and legal costs for covered claims, even if a lawsuit is groundless—particularly important in Connecticut's litigious environment.
Worldwide Coverage
Protects you from liability claims that occur anywhere in the world, not just in Connecticut or the United States.
Protection for Specific Activities
Extends coverage to certain exposures like watercraft, recreational vehicles, or rental properties that may have limited coverage under primary policies.
Coverage for Additional Insureds
Can include protection for family members residing in your household, providing peace of mind for your entire family.
Personal Injury Protection
Covers claims like libel, slander, defamation, false arrest, and other personal injuries beyond physical harm—essential in today's social media environment.
Why Connecticut Residents Need Umbrella Coverage
Connecticut's unique risk landscape creates several scenarios where umbrella coverage is especially important.
High-Value Assets
Connecticut has one of the highest concentrations of wealth in the country, particularly in Fairfield County. More assets mean more to protect from liability claims.
Professional Liability
Connecticut's many executives, physicians, attorneys, and financial professionals face heightened personal liability risks that can extend beyond professional settings.
Household Employment
Many Connecticut households employ domestic staff, creating employer liability exposures that benefit from the added protection of umbrella coverage.
How Excess Programs Are Built Above $5–$10 Million
A single umbrella policy is rarely how larger liability programs are written. Above roughly $5–$10 million, coverage is typically assembled in layers — and the mechanics of how those layers connect matter as much as the total limit.
Layered and Quota-Share Excess
Larger limits are commonly built by stacking excess policies from multiple carriers, each layer sitting above the one below it. Some layers are written on a quota-share basis, where two or more carriers each take a percentage of the same layer. The result is one continuous tower of coverage rather than a single oversized policy.
Attachment Discipline
Each excess layer attaches exactly where the layer beneath it exhausts. If a layer attaches above where the underlying limit actually ends — because a policy was changed, non-renewed, or written with mismatched limits — the gap between them is uninsured. Reviewing attachment points whenever any policy in the tower changes is basic program hygiene.
Underlying-Limit Maintenance
Umbrella and excess policies contain maintenance clauses requiring you to keep specified limits on your underlying home, auto, and watercraft policies. If an underlying limit is reduced or allowed to lapse, the excess policy still responds only above the limit you were required to maintain — the difference comes out of your own pocket, even though the excess policy is in force.
The Entity Gap: Trusts and LLCs
When a home sits in a trust or an LLC holds a vacation property or vehicles, the entity — not just the individual — can be the party that gets sued. If the trust or LLC is not a named insured on the underlying policy and the umbrella, a claim against it may fall outside the program entirely. Named-insured alignment across every policy in the tower is what closes that gap.