Primary Personal Umbrella Policy | Excess Personal Umbrella Policy

Clients with substantial assets, or high current and future income need high limits of liability protection. Homeowners and Automobile Liability policies are often inadequate in providing necessary protection against catastrophic liability claims.

The Anderson & Murison Personal Excess Policy (A&M PEP) is a stand-alone personal umbrella policy, in the admitted market, that has been designed to meet the diverse needs of your clients. National Casualty is the carrier and is "A" rated by A.M. Best. Anderson & Murison, Inc. represents National Casualty as the national administrator of the Personal Excess Policy. A&M has underwriting and policy issuance authority and as such, is your connection to both the primary Personal Excess Policy and the excess Personal Umbrella Policy.

Both the primary umbrella product and the excess umbrella product are currently available for clients in these states: AL, AR, CO, DC, DE, GA, IA, ID, IL, IN, KS, KY, MA, MD, MI, MN, MS, MO, MT, NH, NC, ND, NE, NJ, NM, NV, OK, PA, RI, SC, SD, TN, UT, VA, WI, WV

Coverage is unavailable in the states of CT, LS, and NY.

Members in AK, CA, HI, OR, and WA should contact their state association for applications and rates.

Primary Agent Kit| Excess Agent Kit | Contact

Policy Features

• $1, $2, $3 $4, $5 and $10 million in liability coverage

• Only $1 million in coverage is available in AK, IN, NJ, WV & VT

• Up to $5 million in coverage is available in the states of NJ & WA

• Clientswith up to 4 moving violations are acceptable

• Clients with one DUI or other major violation are acceptable
• Driver exclusions are available in all states except AR & WI
• UM/UIM coverage up to $1 million ($100.00 per vehicle) is available in the states of AK, IN, NH, VT & WV
• Motorcycles, ATVs, snowmobiles & personal watercraft okay
• Residential farms are usually acceptable 
• Coverage for vacant land, apartment units & rental units
• Entertainment, sports & political personalities are acceptable with special rating
• Worldwide Coverage
• Agent Commission: 10 percent

Agent Kit

General Instructions for Placing Business
Application
Sign Up to Sell Form *Submit this form with your first application--no waiting period.
Eligibility Requirements and Policy Summary
Rate Chart and Rating Worksheet (New as of 3/4/2004)
Family Farm Guidelines
How to Write an A&M PEP: Helpful Hints
"What If" Questions and Answers
Personal Lines Coverage Checklist Sample--coming soon!  

Policy Features

• $1, $2, $3, $4, $5 million limits in excess of underlying umbrella

• Entertainment, sports and political personalities are acceptable with special rating

• Worldwide Coverage

• Agent Commission: 10 percent

Agent Kit

General Instructions for Placing Business
Application
Sign Up to Sell Form *Submit this form with your first application--no waiting period.
Rate Chart and Rating Worksheet 
*For use when the underlying primary umbrella is an RLI Personal Umbrella Policy. For a binding quote when the underlying umbrella is written by a carrier other than RLI, just fax the application and declarations page of the underlying umbrella policy to Anderson & Murison.
How to Write an Excess A&M PEP: Helpful Hints
Personal Lines Coverage Checklist Sample--coming soon!   

Do you have a question that isn't answered here? We're here to help you! Click here to e-mail Gary Heiligman, Big "I" Advantage insurance programs specialist, or call him at (800) 221-7917.