Personal Umbrella Insurance, the coverage layer that protects everything above your base policies.
A personal umbrella policy adds $1 million or more in liability coverage above your home, auto, and watercraft policies, and for business owners with meaningful personal assets, it's one of the highest-value coverage decisions available. Kain Carlson reviews personal umbrella as part of the full coverage picture, coordinating it with both personal and commercial coverage.
Personal Umbrella Insurance should be reviewed against real exposure, not assumed from the coverage label.
The real issue is not whether the coverage exists; it is whether the limits, exclusions, eligibility rules, definitions, contracts, people, property, timing, and carrier requirements match how the risk actually shows up. When those details are not reviewed before renewal or enrollment, a policy can look complete on paper while the most important conditions remain unclear until someone tries to use it.
Excess Liability
Adds $1M to $5M or more above your underlying home and auto limits, at a cost that is remarkably low relative to the protection provided.
Learn More →02, Broad CoverageBroad Coverage
Picks up where your home, auto, and watercraft policies end, and often covers claims that underlying policies exclude, like certain libel and slander claims.
Learn More →03, Asset ProtectionAsset Protection
Protects savings, real estate, and other personal assets from large liability judgments, a critical layer for business owners who have built meaningful personal wealth.
Learn More →Why Business Owners Need Personal Umbrellas
Business owners in ND and MN often carry more personal wealth than the average household, and more liability exposure. Personal umbrella is separate from a commercial umbrella: the commercial umbrella protects your business assets, while the personal umbrella protects the wealth you've built personally. Kain Carlson reviews both as part of the same integrated relationship, making sure neither side of the ledger is left unprotected.