A&M Excess & Umbrella Program 

If a risk doesnt qualify for RLI, try Anderson & Murison's Primary and Excess Umbrella Liability insurance.

• Limits up to $10 million available (as of 1/15/22 Max limit will be $5 million)
• Ideal for risks that have drivers with multiple violations/accidents
• Will consider high profile personalities such as elected officials, athletes, media personalities & entertainers
• Will consider risks with prior liability losses exceeding $25,000
• Drivers over age 75 acceptable with two violations can be considered
• Drivers under age 22 can have minor violations
• Driver exclusion endorsement available for drivers with unacceptable driving records
• Written on A rated Scottsdale/National Casualty paper

Target Market & Eligibility 

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 that has been designed to meet the diverse needs of your insureds. Scottsdale is an admitted carrier and is "A" rated by A.M. Best. Anderson & Murison, Inc. represents Scottsdale 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. 

Ineligible Risks

• Business pursuits including policies written in corporate name
• No underlying CPL
• Risks with commercial underlying policies - OL&T's are acceptable
• Open claims of any type can be considered with insurer's approval
  

Primary Personal Umbrella Policy 

• $1, $2, $3 $4, $5 and $10 million in liability coverage (effective 1/15, $5 million max)
• Up to $5 million in coverage is available in most states
  
• Insureds with several moving violations are acceptable
• Insureds with one DUI (over a year old) or other major violation can be considered
• Driver exclusions are available
• UM/UIM coverage up to $1 million is available
• Motorcycles, ATVs, snowmobiles & personal watercraft okay
• Residential farms up to 1200 acres are usually acceptable
• Coverage for vacant land, apartment units & rental units
• Entertainment, sports & political personalities are acceptable with special rating
• Worldwide Coverage 

Excess Personal Umbrella Policy  

Use this policy in combination with the primary umbrella policy to provide very high limits of coverage for very low premiums!

• $1, $2, $3 $4, $5 million limits in excess of underlying umbrella
• Entertainment, sports & political personalities are acceptable with special rating
• Worldwide Coverage

 Questions?  Contact Anderson & Murison at 800-234-6977 ext 260 or personalumbrella@amqts.com.