Important: As wildfires continue to affect communities throughout Los Angeles County, we are here to help you and your clients. (Read More)

Specialties Liability (Personal)

Liability (Personal)

Liability (Personal)

Specialized, expertly tailored coverage to protect your clients’ assets.

Many basic coverages do not offer the protection your clients need to sufficiently cover their most valuable assets. A Personal Liability plan from Burns & Wilcox provides an additional layer of protection to supplement their current auto/home/marine polices.   

Comprehensive and customized, a policy from Burns & Wilcox can protect against crippling financial losses in the event of a liability claim or lawsuit due to auto accidents, slip and fall accidents at home, dog bites and trampoline or pool accidents, just to name a few.    

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Recent Liability (Personal) Wins

$14,000

TWO SECONDARY COASTAL HOMES FOR A HIGH PROFILE CLIENT

$6,188

$5M PERSONAL UMBRELLA FOR A HIGH PROFILE ENTERTAINER

$5,900

RENTAL DWELLINGS OWNED BY LLC. WITH $5M EXCESS LIABILITY

$5,000

HIGH PROFILE INDIVIDUALS

Frequently Asked Questions | Personal Umbrella

Personal Umbrella Insurance can provide additional liability protection for incidents involving auto accidents, guest injuries at the home, dog bites, swimming pool or trampoline injuries, recreational activities, libel or slander allegations, and other covered personal liability claims.
No. It provides additional liability limits above underlying policies and generally requires Homeowners Insurance, Auto Liability Insurance, or other required underlying coverage to be maintained.
Coverage varies based on policy terms. Certain exposures, including business-related activities, illegal acts, intentional acts, and some animal liability exposures, may be excluded.
Limits often begin at $1 million and can extend higher depending on underwriting considerations and market availability. Primary limits may reach $20 million, with excess capacity available up to $100 million. Excess uninsured or under-Insured motorist coverage may be available beginning at $1 million and can extend higher depending on underwriting considerations and market availability.
Anyone who owns a home or vehicle with assets to protect can benefit from Personal Umbrella Insurance. However, individuals with the greatest need often have multiple higher-risk exposures and significant wealth to protect. This may include business owners, landlords, executives, multi-family drivers, or individuals with higher public visibility.
Failure to maintain required underlying liability limits could create coverage gaps or increase the insured’s out-of-pocket responsibility before Personal Umbrella coverage applies.

Areas Of Specialty

  • Admitted and Non–Admitted Coverage
  • High Profile Individuals 
  • Monoline Coverage available
  • Uninsured Motorist Coverage 
  • Challenging Driving Records and DUI’s
  • Youthful Driver Coverage 
  • Limits up to $10 Million
  • Prior Claims Eligible
  • High Profile Individuals
  • Challenging Driving Records and DUI’s
  • Limits to $40 Million and above
  • Prior Claims Eligible
  • Monoline coverage available
  • Limits to $1 Million
  • Prior Claims History
  • Farming Exposures 
  • One, Two, Three, and Tour Family Dwellings  
  • Condominium Unit Owners: Occupied or Rented to Others  
  • Mobile Homes  
  • Secondary Residences  
  • Tenants of Multiple Unit Buildings  
  • Occupants of Apartments  
  • Vacant Land 

Available Products

  • High Value Homeowner’s
  • Secondary and Seasonal Homeowner’s
  • Recreational Marine
  • Private Primary and Excess Flood
  • Coastal Homeowner’s
  • Unprotected Homeowner’s
  • Family Cyber Protection
  • Rental Properties

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Personal Insurance Updates | 2026 Q3

Competitive conditions, expanded carrier appetite, and stabilizing pricing are creating new opportunities in the Personal Insurance market. Explore the trends shaping underwriting, risk mitigation, Flood Insurance, and coverage decisions in Q3

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Webinar: P&C Market Outlook – Q3 2026

Softening Property rates, catastrophe exposures, and evolving underwriting priorities are creating new challenges and opportunities across the insurance marketplace.  Watch the Q3 2026 P&C Market Outlook recording for expert insights

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Very professional and personable. When we have an issue, they will do everything in their power to go above and beyond.

-Leslie H., Client, Fresno, California

Burns & Wilcox
Recent Liability (Personal) Wins

$14,000

TWO SECONDARY COASTAL HOMES FOR A HIGH PROFILE CLIENT

$6,188

$5M PERSONAL UMBRELLA FOR A HIGH PROFILE ENTERTAINER

$5,900

RENTAL DWELLINGS OWNED BY LLC. WITH $5M EXCESS LIABILITY

$5,000

HIGH PROFILE INDIVIDUALS

Eligibility Guidelines

Below are the eligibility guidelines for online binding and issuing Cyber Liability:

– Revenue up to $15M accepted
– 138 Industries Accepted
– Excluded Industries include: adult content, auction sites, data processing, debt collection, direct marketing franchisees, healthcare aggregators, online gambling, payment processors, pos technology, search engines and social media.

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Honoring a True Pioneer

A BURNS  WILCOX ASSESSMENT

Article Title

April 16, 2020

Written by

Denis Brady

PRESIDENT, BURNS & WILCOX BROKERAGE

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State of the Liability (Personal) Market

A BURNS  WILCOX ASSESSMENT

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As wildfires continue to affect communities throughout Los Angeles County, we want to express our heartfelt support for the residents, first responders, and all those working tirelessly to combat these devastating fires.

We understand the challenges posed by this crisis. If you need assistance or have questions about your client's coverage during this time, the team at Burns & Wilcox is here to help.