Having just gone through an umbrella insurance process, I find it interesting that it's your primary product.
My understanding of umbrella coverage is like what you said: it's an adjunct product and a way to increase the fees on their other lines, which is why if you get umbrella via your existing carrier they generally enforce minimums on your auto (and home).
As someone with kids who drive, umbrella was much more complicated than expected.
I wish you guys operated in my state so I could run my numbers through you.
We're eyeing nationwide expansion in 2027 or later this year!
They'll enforce the minimums even as a standalone policy, my understanding is it's that the umbrella always "sits" ontop of something. I.e., they want you to clear the other liability limits before they step in to provide coverage.
It is kind of a huge hassle, especially in states like CA or FL where a lot of carriers have withdrawn and the default bundle option isn't necessarily available. We went looking for high pain X feasibility and this is where we landed!
My understanding of umbrella coverage is like what you said: it's an adjunct product and a way to increase the fees on their other lines, which is why if you get umbrella via your existing carrier they generally enforce minimums on your auto (and home).
As someone with kids who drive, umbrella was much more complicated than expected.
I wish you guys operated in my state so I could run my numbers through you.