Excess Auto Liability
Additional limits above your auto policy when an at-fault accident causes serious injury.
Independent Insurance · Est. 1959
One Serious Accident Shouldn't Reach Your Savings
A personal umbrella adds a million dollars or more of liability protection above your home and auto policies — and it's one of the least expensive coverages you can buy. We compare umbrella options from multiple top-rated carriers and confirm your underlying limits qualify.
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Get My Insurance Options
Tell us a little about your household. A licensed insurance advisor will review your needs and contact you to discuss your options.
Personal Umbrella
What a personal umbrella covers.
Extra liability limits above the policies protecting your home, cars, and family.
Excess Home Liability
More protection when someone is injured on your property or by your pet.
Legal Defense Costs
Defense funding that generally sits outside and above your umbrella limit.
Personal Injury Claims
Libel, slander, and defamation allegations, including online, on many forms.
Boats & Recreational Vehicles
Excess liability extended over watercraft, RVs, and off-road vehicles you schedule.
Asset & Wage Protection
Keeps a judgment from reaching savings, investments, home equity, and future income.
Inexpensive relative to the limit. A $1M personal umbrella often costs a few hundred dollars a year — typically the highest protection per dollar in a personal insurance program.
Family-owned since
1959
Why Mayer & Steinberg
Boutique service. Institutional reach.
Independent agency
We answer to you — not a single carrier.
40+ carrier network
Real market access for real competitive pricing.
Competitive pricing
Side-by-side quote comparisons, every renewal.
Personalized guidance
A dedicated advisor — not a call center.
Long-standing reputation
Serving businesses and families since 1959.
Process
From first call to bound coverage.
A streamlined process designed around your time, not ours.
- 01
Submit Review
Share a few details about your business in just a few minutes.
- 02
Discuss risks
A licensed advisor walks through your exposure and gaps.
- 03
Compare Coverage Options
We review coverage options from leading insurance carriers and present the solutions that best fit your business.
- 04
Get coverage
Bind the right policy, with ongoing support at renewal.
Clients
Trusted by families protecting what they've built.
"With two teen drivers, the umbrella was the easiest decision we made. The cost was far lower than I assumed."
Janet W.
Home + Auto Client
"They raised our underlying limits and added the umbrella for less than we were paying before."
Marc S.
Umbrella Client
Who should carry a personal umbrella.
- Households with savings, investments, or home equity worth protecting
- Families with teen or newly licensed drivers in the household
- Owners of pools, trampolines, dogs, boats, or recreational vehicles
- Landlords with one or more rental properties
- Anyone serving on a nonprofit or association board
- Professionals whose future income could be exposed to a judgment
FAQ
Personal umbrella questions we hear most.
How much umbrella coverage do I need?
A common guideline is to cover your net worth plus some allowance for future income. Most households start at $1M and increase in million-dollar increments as assets grow.
What underlying limits are required?
Carriers typically require auto liability around 250/500 and homeowners liability of $300,000 to $500,000. If your current limits fall short, we adjust them first so the umbrella attaches properly.
Does an umbrella cover my rental property or boat?
It can, when those exposures are disclosed and scheduled with acceptable underlying policies. Undisclosed rentals and watercraft are a common reason claims get denied.
Does it cover business activities?
No — personal umbrellas exclude business exposures. A commercial umbrella over your business policies is the right tool for that, and we write both.
Do my home and auto have to be with the same carrier?
Frequently yes, since many carriers require the underlying policies. Because we're independent, we can move the package to a carrier that offers the umbrella you need.
Get My Insurance Options
Tell us a little about your household. A licensed insurance advisor will review your needs and contact you to discuss your options.
Compare coverageProtect your assetsShop multiple carriers