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Alternative Market - A&M

Our increasingly litigious society has created new and complex exposures for individuals. Anderson & Murison's Primary and Excess Umbrella Liability insurance is designed to help mitigate the significant liability risks individuals face every day.

Limits up to $10 million available
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
Drivers under age 22 can have minor violations
Driver exclusion endorsement available for drivers with unacceptable driving records
Written on A rated Scottsdale 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.

	ALL UNDERLYING CARRIERS MUST BE RATED B+ OR BETTER IN AM BEST’S GUIDE
Underlying Coverage Required

Type of Policy	Minimum Limits Required

Comprehensive Personal Liability	300,000 combined single limit

Automobile/Recreational Vehicle	500,000 combined single limit
	or
	500,000/500,000 bodily injury
	100,000 property damage
	or
	for additional premium charge
	250,000/500,000 bodily injury
	100,000 property damage
	(see exceptions below under “Driving Record”)

Watercraft	500,000 combined single limit
	or
	500,000/500,000 bodily injury
	100,000 property damage
	$300,000 is not acceptable if there are youthful drivers on policy and a Personal Water Craft

Rental Units	300,000 combined single limit
	(Must include personal injury coverage)

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

Coverage Highlights and Availability

Both the primary umbrella product and the excess umbrella product are currently available in all states EXCEPT CT, NY & LA.

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

Primary Personal Umbrella Policy

Policy Features:

$1, $2, $3 $4, $5 and $10 million in liability coverage
Insureds with up to 4 moving violations are acceptable
Insureds with one DUI or other major violation are acceptable
Driver exclusions are available
UM/UIM coverage up to $1 million is available
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

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!