Personal Umbrella

Eligibility & Requirements

• New business requires a completed application and LPR to cancel any active policies prior to binding
• Effective dates cannot precede the bind request receipt date
• Changes must be submitted within 15 days of policy expiration using the new form

Coverage Limits

• Coverage A limits from $150K to $5MM (on referral)
  • Tri-County, FL minimum: $250K
• Wind coverage is included for coastal areas
• No distance-to-coast restriction (even under 1 mile)

Eligible Property Types

• Primary residences
• Secondary and seasonal homes
• Tenant-occupied properties
• Short-term rental properties

Flexible Underwriting

• Accepts LLCs and Trusts
• Considers:
  • Multiple Past Losses
  • Short-term coverage lapses
  • Prior non-renewals
• 13 optional endorsements available

Ineligible for $6–10M Umbrella Limits:

• CPL/Excess CPL policy already with Hudson
• Driver in the household has:
  • A major violation, or
  • >1 minor violation/at-fault accident in past 3 years (even if excluded)
• More than:
  • 3 drivers under age 21
  • 10 vehicles
  • 6 watercraft
  • 20 covered properties
• Property includes:
  • Farms, home daycares, or high-risk features (e.g., zip lines, vineyards)
• Open liability claims or closed ones with payouts ≥ $100,000
• Primary residence in:
  • Louisiana: Umbrella not eligible due to UM/UIM limits
    • Excess Umbrella still available
  • New York: Must honor 36-month renewal rules with no changes
    • Existing policies reviewed at expiration

Important Notes

• $6–10M Umbrella limits are only offered on non-admitted paper
• Only Hudson has authority to quote, bind, or modify policies at these limits
• All midterm endorsements for $6–10M limits will be rated and charged if applicable