Do your insured's have the right Umbrella and Excess Liability Coverage?
Excess Auto with youthful operators, Excess Watercraft or even ranch owners Liability, DeCotis Insurance Associates has what you need for immediate protection of your insured's!
Personal Umbrella & Excess Personal Liability
- Coverage available for youthful operators and individuals over the age of 69
- Limits available up to $10,000,000 eligible risks
- $25,000 of Excess Uninsured/Underinsured Motorists coverage included. Additional excess UM/UIM limits available
- Personal Injury Protection included when provided by primary coverage
- Available as package policy with HO-3
- Optional Endorsements: Personal Injury; UM/UIM ($1,000,000 limit)
Primary & Excess Comprehensive Personal Liability
- Increase primary limits or meet the minimum point of attachment of Personal Umbrella
- Limits of up to $1,000,000
- Coverage offered for dwellings under renovation and / or construction where the insured is not the general contractor
- Individuals, Trusts, Limited Partnerships, Family Partnerships, Estates or Limited Liability Corporation (LLC)
- Short Term Rentals
- $5,000 Medical Payments Coverage available
- Personal Injury included in basic policy
Excess Personal Auto Liability
- For applicants who desire higher limits than their primary carrier provides
- Minimum underlying limit of: $100,000/$300,000/$50,000
- Coverage for unlimited youthful operators
- Private Passenger vehicles, pickups (1 ton or less) motor homes, sports cars, --Motorcycles and antique vehicles
- Underlying Business or Garage Auto
- Underlying Named Non-Owner
Excess Watercraft & Personal Watercraft
- Minimum underlying limit of: $100,000/$300,000/$50,000
- Watercraft up to 50 feet in length
- Watercraft with speeds up to 50mph
- Coverage for unlimited youthful operators
- Inboards, Outboards, In/Out Drives, Sail Boats, Jet Skis are all eligible
Special Farm/Ranch Owners Liability
- Farm Revenues up to $1,000,000
- Farm locations leased to others
- No limitation on acreage, grazing livestock, or the number of Farm Locations
**subject to underwriting guidelines**
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