Umbrella Insurance

About Federal Employee Umbrella Liability Insurance

Liability issues are everywhere and you never know what could cause someone to hit you with a lawsuit. Often times a person’s liability insurance for their auto or home is simply not enough. Federal Employee Umbrella Liability Insurance can protect you from serious liability issues that go beyond the liability limits of standard insurance policies.

As an extension of your auto or homeowners policy, Federal Employee Umbrella Liability Insurance kicks in when the liability coverage of your other auto and/or homeowners policies have been exhausted. At Starr Wright USA, our Federal Employee Umbrella Liability Insurance plans provides worldwide coverage for you and your family by paying claims that exceed the liability limits of your existing auto and/or homeowners policies. We have partnered with highly-rated carriers specializing in Umbrella Liability Insurance coverage to bring federal employees comprehensive, affordable policies.

If you are a full/part-time federal employee at a minimum pay grade of GS-11 (or equivalent), you can apply for Starr Wright USA’s traditional plans.

If your current pay grade is less than GS-11 or you are a former federal employee, you may obtain additional information about our Alternate Plan.

Benefit Highlights

  • Coverage is applicable worldwide - for suits brought within and outside the United States (except in sanctioned or embargoed countries).
  • Defense coverage for covered claims and lawsuits even if they're groundless or fraudulent. The amounts paid for defense expenses will not reduce the limits of insurance.
  • Broad definition of an "Insured" under the policy, including domestic partners and children at home but away at school or in military service on the date of a loss.
  • Our plan provides broad Umbrella Liability Insurance coverage with Defense Costs in addition to the Policy Limits. Our plans offer an optional Uninsured/Underinsured Motorists (UM/UIM) coverage of $1 million above the minimum required underlying insurance for UM/UIM. Uninsured Motorists Coverage (UM) provides you and all covered persons with bodily injury protection if injured in an accident with a driver who has no liability insurance, or has failed to post a bond, and who is legally liable for your damages. The coverage also provides protection if you are injured as a result of a hit-and-run accident. Underinsured Motorists Coverage (UIM) provides you and all covered persons with bodily injury protection if injured in an accident with a driver who has liability insurance with limits lower than the full amount needed to fully compensate you for your damages and who is legally liable for damages. In this case, your Underinsured Motorists Coverage would pay for damages, to which you are legally entitled, after the other driver's liability limits are exhausted.
  • Coverage for driving non-owned vehicles when the underlying insurance covers and for 30 days maximum if the underlying insurance doesn't apply.
  • Coverage for another driver driving your car as long as they have your permission and there is no exclusion/limitation on the underlying policy.
  • Coverage for injury to domestic employees as long as the underlying insurance policy applies.
  • Coverage for Directors & Officers of any not-for-profit organization as long as the underlying insurance policy applies.
Apply Now

To apply for the Traditional plan by mail, please download, complete, and return the signed application to the plan administrator at the address listed on the form.

Please Note: Your future Starr Wright USA premiums can be paid automatically from your account at your financial institution on a Monthly, Quarterly, or Annual basis through Electronic Funds Transfer (EFT).

FAQs

Why do I need an Umbrella Liability policy? What's the benefit?
Most people believe Umbrella Liability Insurance is necessary only if you are wealthy and/or lead a "wild" lifestyle. However, accidents do happen. No matter how cautious you are, you could be sued because you injure someone or damage someone's property. Umbrella Liability Insurance protects your assets if you (or a household member) injure another person or damage someone's property. It's designed to protect you against a catastrophic lawsuit by providing expanded coverage and supplementing the basic liability coverage provided by your homeowners/renters and auto insurance policies. This protection is designed to "kick-in" when the liability coverage on your other policies has been exhausted.  Consider these all-too-real claim examples below.

If I'm insured under a Professional Liability policy, do I still need this plan?
Your Professional Liability policy covers only allegations, lawsuits and judgments for acts, errors or omissions within the scope of your employment. The Starr Wright USA Umbrella Liability Insurance plan covers you and every member of your household against personal liability such as injuries or property damage for which you or they may be responsible.  Consider these all-too-real claim examples below.

How much Umbrella Liability Insurance protection do I need?
It really depends on your assets and budget. Some experts suggest carrying at least enough Umbrella Liability Insurance coverage to protect your total net worth. If you're particularly successful or highly visible in your community, you may want to increase your coverage to the market value of your major assets, such as your home and investment portfolio, because you are more likely to be a target of a lawsuit and more likely to be hit with higher damage awards. 

You probably need more Umbrella Liability Insurance than you think. A lot of factors determine the amount of coverage you need. Your financial status, lifestyle, and existing coverage are all relevant, but in liability lawsuits, judgments can, and often do, exceed net worth. For example, standard homeowners policies usually provide $100,000 to $300,000 worth of liability coverage, but in today's society it's not unusual to hear of $2 million, $10 million, and even $20 million liability judgments. If someone gets injured in your home, or if you cause a serious accident, you could be hit with such a judgment. Without an Umbrella Liability policy like Starr Wright USA offers, a large judgment against you could cost you all the assets you have now, as well as possible future earnings and inheritances.

Do I still need my automobile and homeowner policies?
Yes. Umbrella Liability Insurance is a supplement not a substitute for these policies. Since Umbrella Liability supplements your primary coverage, you must have personal liability insurance as is usually provided in homeowners, renters or condominium liability policies. You will also need to maintain required limits of primary insurance for autos, watercraft, or recreational vehicles you or your household members have. The minimum amounts for applicable coverages you must maintain are detailed in the Required Underlying Insurance Schedule directly below.

Exposures
Coverages
Minimum Required Underlying Limits
Automobile Liability (Owned, leased, or rented)
Bodily Injury
$250,000 Per Person,
$500,000 Per Occurrence
Property Damage
$50,000 Per Occurrence
Combined Single Limit
$500,000 Per Occurrence
Personal Liability (Homeowners, Condo Owners, Tenants, CPL)
Combined Single Limit
$300,000 Per Occurrence
UM/UIM (When optional coverage is provided by this policy)
Bodily Injury
$250,000 Per Person,
$500,000 Per Occurrence
Property Damage
$50,000 Per Occurrence
Combined Single Limit
$500,000 Per Occurrence
Watercraft Liability
Combined Single Limit
$100,000 Per Occurrence for Watercraft 26 ft. or less,
$300,000 Per Occurrence for Watercraft greater than 26 ft.
Recreational Vehicle Liability
Bodily Injury
$250,000 Per Person,
$500,000 Per Occurrence
Property Damage
$50,000 Per Occurrence
Combined Single Limit
$500,000 Per Occurrence
Employers' Liability
Combined Single Limit
$100,000 Per Occurrence
Snowmobile/ATV Liability
Combined Single Limit
$500,000 Per Occurrence (unless covered by Homeowners)

Claim Examples

Automobile Accident – The insured crashed into the rear of a car on a slick highway. A woman and a child were critically injured. After two years of litigation, the insured settled the lawsuit for over $1 million. The insured had $3 million in umbrella coverage. The policy paid for the settlement and all legal costs.

Internet Blogger – The insured’s daughter hated math class and her teacher. The daughter made several “disparaging” remarks about her teacher online. The teacher sued the girl’s parents for personal injury and was awarded $750,000.

Faulty Furnace – The insured’s tenant claims she became sick from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and received a $750,000 settlement.

Coaching Circumstances – A female teenager destined for greatness as a softball player filed a $700,000 lawsuit against her former coach, alleging his “incorrect” teaching style ruined her chances for an athletic scholarship.

Falling Concrete – A hillside on the insured’s property was covered in concrete to prevent erosion prior to the insured’s purchase of the property. About 5 cubic feet of concrete fell into the neighboring property, knocking the claimant’s home from its foundation.

Paintball Misfortune – The insured permitted several of her children and their friends to play paintball in her backyard. The children had played paintball previously and were advised of all safety rules including wearing headgear at all times.  A player removed her headgear and was leaving the field. She was hit in the eye resulting in a $475,000 settlement.

Beach Explosion – The insureds hosted a beach party for their daughter. One party-goer found what he thought was an empty, discarded propane tank. He threw the tank into a beach bonfire and it subsequently exploded severely injuring several guests. A $20,000,000 claim was filed alleging the insureds failed to properly supervise the party.

Apply Now

To apply for the Traditional plan by mail, please download, complete, and return the signed application to the plan administrator at the address listed on the form.

Please Note: Your future Starr Wright USA premiums can be paid automatically from your account at your financial institution on a Monthly, Quarterly, or Annual basis through Electronic Funds Transfer (EFT).

Eligibility

  • You must be a current/former federal employee to apply for any of Starr Wright USA’s Umbrella Liability Insurance plans.
  • To apply for our traditional Umbrella Liability Insurance plan, you must be a full/part-time federal employee at a minimum pay grade of GS-11 (or equivalent).
  • If your current pay grade is less than GS-11 or you are a former federal employee, you are eligible for our alternate Umbrella Liability Insurance plan.

Commonly Covered Situations

  • Automobile accidents in which you or any member of your family are held responsible beyond your auto insurance coverage limits.
  • Automobiles owned, rented or furnished for personal use are covered.
  • Liability for injuries to others which occur on your property beyond your homeowners/renters insurance coverage limits.
  • Claims brought against you for rental properties you may own.
  • Accidents while using recreational equipment whether owned, rented, or borrowed.
  • Liability resulting from use of reasonable force to protect an individual or property.
  • Any claims brought against you or your family for any unforeseen or uncovered loss where there is no primary insurance required.

Rates

  • $380 per year - $1,000,000 Liability Limit
  • $615 per year - $3,000,000 Liability Limit
  • $925 per year - $5,000,000 Liability Limit

Rates shown above include surplus lines taxes and fees.

Note: Optional $1,000,000 Uninsured/Underinsured Motorists (UM/UIM) Coverage available in excess of required underlying limits for each plan level at an additional premium of $185 per policy year.

Apply Now

To apply for the Traditional plan by mail, please download, complete, and return the signed application to the plan administrator at the address listed on the form.

Please Note: Your future Starr Wright USA premiums can be paid automatically from your account at your financial institution on a Monthly, Quarterly, or Annual basis through Electronic Funds Transfer (EFT).

To apply, please download, complete, and return the signed application to the plan administrator at the address listed on the form.

Download Now
Please Note: Your future Starr Wright USA premiums can be paid automatically from your account at your financial institution on a Monthly, Quarterly, or Annual basis through Electronic Funds Transfer (EFT).

About Our Alternate Umbrella Liability Plan

Starr Wright USA is pleased to offer an Alternate Umbrella Liability Insurance plan if your pay grade is less than GS-11 or if you are a former federal employee. This plan is currently NOT available to those residing in: Alaska, Georgia, Hawaii, New Hampshire, Louisiana, South Dakota, Vermont, and West Virginia.

To receive a quote for liability limits from $1,000,000 to $5,000,000 please download and complete the application above.

Benefit Highlights

  • Liability Limits of $1,000,000 to $5,000,000 in $1,000,000 increments
  • Coverage available for drivers under the age of 21
  • Coverage available for drivers over the age of 79
  • Restrictive to your residing State: we may be able to provide coverage for drivers over the age of 89; we may be able to provide coverage if you have had one (not more) major violation (excludes youthful drivers) within the past 5 years; optional $1,000,000 Uninsured/Underinsured Motorists (UM/UIM) available in excess of required underlying limits for each plan level at an additional premium per policy year.

Plan Details

Required Underlying Insurance Limits:

Exposures
Coverages
Minimum Required Underlying Limits
Personal Automobiles
Bodily Injury
$250,000 Per Person,
$500,000 Per Occurrence
Property Damage
$100,000 Per Occurrence
Combined Single Limit
$300,000 Per Occurrence
Personal Property
Combined Single Limit
$300,000 Per Occurrence

*Primary Insurance carrier for Personal Auto or Home must be with an Admitted carrier with an A.M. Best Rating of B+ (VII) or higher. Click here to look up your carrier.

To apply, please download, complete, and return the signed application to the plan administrator at the address listed on the form.

Download Now
Please Note: Your future Starr Wright USA premiums can be paid automatically from your account at your financial institution on a Monthly, Quarterly, or Annual basis through Electronic Funds Transfer (EFT).

Additional Information

Disclaimer: Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. CNA is a service mark registered with the United States Patent and Trademark Office. Any references to non-CNA Web sites are provided solely for convenience and CNA disclaims any responsibility with respect thereto.