Umbrella

Program Enhancements

• UM/UIM coverage limit for California policy is now $2 million.  This includes A&M’s “BIG Umbrella (personal/commercial) product.  The cost to add UM/UIM coverage is $50 per auto for $ 1 million and $100 per auto for $2 million of coverage.
• Save time! There is no longer a need to schedule specific car types, watercraft types, ATV types etc. You only need to indicate the number of each item being covered. For example, if the insured has two cars that’s all we need. There is no longer a need to list the vehicle make, model, etc. We will still need to know the address of any additional properties.
• The program is now admitted in all western states and offers reduced minimum premium and policy fee discounts over the standard Scottsdale umbrella program.
• $25,000 of Identity Theft coverage is now available for $25.

Program Features

• Underwritten by Scottsdale Indemnity Insurance Company, California-admitted and rated A+ by A.M. Best
• Offered exclusively to Independent Insurance Agents and Brokers of California members in a joint venture with Anderson & Murison, Inc.
• High limits available
• 10% commission
• Zero self-insured retention
• Coverage is effective the date received by A&M or a later date if so indicated on the application
• First dollar defense
• Coverage for up to 55 units (for Big Umbella)
• Coverage for target or "High Profile" personalities available on a submit basis