Personal Umbrella Policies

*Requires valid membership in IIABCal at time of policy placement and is subject to eligibility rules established by the insurer or general agent.
The enhanced commission may be changed or terminated at any time.

Monarch offers a strategic defense against the financial impact of lawsuits and claims. With extended coverage limits, inclusive eligibility, and global protection, our personal umbrella policy ensures you and your assets remain safeguarded—no matter where life takes you.

To access this program, contact Stefanie McLeod, Vice President, Personal Lines
Phone: 818-330-6506 | Email: Stefaniem@monarchexcess.com

What Our Members Say

“Today it is not easy to find a personal umbrella policy, but thanks to IIABCal’s partnership with Monarch E&S Insurance Services, we have access to a personal umbrella program… They continually work for us providing timely responses and creating solutions, and they have awesome people to work with.  Monarch E&S continues to be our go to wholesale broker and the one for any personal umbrella or excess liability needs.”

Dina Campana Smith, CIC
Arthur J. Gallagher Risk Management Services LLC

Program Advantages

• High Liability Limits – Offers up to $5 million in extended liability protection.
• Uninsured/Underinsured Motorist (UM/UIM) Coverage – Protection against underinsured or uninsured drivers across the U.S.
• Elite Risk Acceptance – Covers high-profile and entertainment-related occupations that standard policies often decline.
• Non-Standard Market Access – Ability to underwrite non-admitted markets with top-rated carriers.
• Global Protection – International coverage available when tied to U.S. domiciled risks or through Lloyd’s of London.
• Expanded Property Coverage – Supports up to 35 rental units, providing extensive flexibility for landlords.
• Reputation Defense Coverage – Allocates $25,000 to protect against public image damage.
• Unlimited Vehicles & Drivers – No cap on the number of insured vehicles or drivers, perfect for large families or complex driving situations.
• Broad Entity Coverage – Extends to trusts, estates, LLCs, corporations, and partnerships for added flexibility.