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We are currently offering this to our clients through American Alternative Insurance Company (AAIC). It used to be relatively commonplace but started to dry up 20 years ago until it went the way of the dodo bird. Then, several years ago, I found an MGA market for it.

Does anyone know of any other carriers (independent, captive or direct) with UM/UIM as an option on a personal umbrella?

Thanks in advance.

Sure! In Calfiornia, contact Andrson & Murison, (323)255-2333 or www.AndersonMurison.com. Limits to $1M in CA are available.

Anderson & Murison had 4 admitted markets for personal umbrella in California. Nationally we write personal umbrellas in all states except Louisiana.

For California, if the underlying auto policy has UM coverage, most of our carriers include an additional $25K of UM/UIM coverage with additional limits available up to 1M.

Also for California, we offer our BIG Umbrella which will allows some commercial exposure under one umbrella policy. Currently we are offering a $50 bonus for any new BIG policies written with us.
A pdf with more information is here: BIG Guidelines

Our online umbrella rating engines are available at Umbrella Rater. We can also quote off most declaration pages on expiring policies.

If would like to discuss our umbrella programs or have any other questions please call me at (800)234-6977 x211

Will Hullinger
Manager - Business Development
Anderson & Murison

Well, as we are already appointed with the good folks at A&M, I went ahead and checked out their Big Umbrella program and did a couple test quotes.

On a milquetoast sample risk (2 vehs + home), including the UM option, AAIC was 8% higher than A&M's rate.

On an actual risk where I have the home but am looking to land the umbrella and autos:

Two drivers (66yo male & 74yo spouse, 3 vehs - 1 residence) including the UM, AAIC is (hang onto your hats) 71% higher than A&M's Scottsdale program. Ay caramba! Called the prospect and I think this just got us back into the running.

So there's a good plug for you, Will, so please forgive me not returning your phone message today. I was too busy trying to sell one of your products!

Hope y'all have a good weekend!

We have two great markets for UMB with UM/UIM - both admitted, one is direct-billed. We can write up to 10M with excess of 10M more! quote online at www.jebrown.net or by phone at 866-712-6781