Private Client
Personal Umbrella Liability (High Limit).
Ultra-high-net-worth individuals require personal umbrella liability limits that standard carriers — typically capping their programs at $5M-$10M — cannot provide. The combination of a large asset base, elevated litigation target profile, multiple residences, watercraft, aircraft, household staff employment, and board service creates an aggregate personal liability exposure that demands high-limit umbrella solutions in the $25M-$100M+ range.
High-Limit Personal Umbrella Liability for Ultra-High-Net-Worth
Ultra-high-net-worth individuals require personal umbrella liability limits that standard carriers — typically capping their programs at $5M-$10M — cannot provide. The combination of a large asset base, elevated litigation target profile, multiple residences, watercraft, aircraft, household staff employment, and board service creates an aggregate personal liability exposure that demands high-limit umbrella solutions in the $25M-$100M+ range.
How OnePark Risk Helps
OnePark Risk accesses specialty markets and Lloyds syndicates that provide high-limit personal umbrella solutions for ultra-high-net-worth clients. We coordinate your umbrella tower with all underlying personal lines policies — home, auto, watercraft, aircraft, household employer liability — to ensure attachment requirements are satisfied and that no underlying exposure creates a gap in your umbrella protection.
High-Limit Personal Umbrella Essentials
- Limits in the $25M–$100M+ range from specialty and Lloyds markets
- Coordination with all underlying home, auto, and watercraft policies
- Worldwide liability coverage including international incident defense
- Board service and trustee liability integration with umbrella
- Household employer liability protection for domestic staff claims
- Personal injury including defamation, invasion of privacy, and false arrest