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Program Benefits

  • UM/UIM coverage limit for California policies is now $2 million.  This includes A&M’s “BIG Umbrella (personal/commercial) product.  The cost to add UM/UIM coverage is $50 per auto for $ 1 million and $100 per auto for $2 million of coverage.
  • There is no longer a need to schedule specific car types, watercraft types, ATV types etc. You only need to indicate the number of each item being covered. For example, if the insured has two cars that is all we need. There is no longer a need to list the vehicle make, model, etc. We will still need to know the address of any additional properties.
  • The program is now admitted in all western states and offers reduced minimum premium and policy fee discounts over the standard Scottsdale umbrella program.
  • $25,000 of Identity Theft coverage is now available for $25.

Follow the easy-to-use instructions to submit an application for binding.

The Big Umbrella – Business & Personal Under One Policy

  • Now, one insurance policy gives seamless coverage for both your personal and business exposures.
  • This single policy prevents the legal battles that can occur when two different insurance companies may cover the same accident.
  • This policy is available to you regardless of the insurance company you choose for your home, auto or business.
  • The best part is that this one policy usually costs less than having two separate policies.

Program Features

  • Underwritten by Scottsdale Indemnity Insurance Company, California-admitted and rated A+ by A.M. Best
  • Offered exclusively to Independent Insurance Agents and Brokers of California members in a joint venture with Anderson & Murison, Inc.
  • High limits available
  • 10% commission
  • Zero self-insured retention
  • Coverage is effective the date received by A&M or a later date if so indicated on the application
  • First dollar defense
  • Coverage for up to 55 units (for Big Umbella)
  • Coverage for target or "High Profile" personalities available on a submit basis

Program Partner - A&M

Program partner, Anderson & Murison provides online premium quotes through Express Personal Umbrella Rater.

Appointed producers can also register online to complete an application. A&M will confirm premium by return email with the effective date of coverage. Print the application and return via e-mail to A&M along with an electronic check or send check through U.S. Mail  to complete the transaction. A&Ms dashboard allows agents to view policy documents and documents. Visit the A&M website.

Contact Information:

Liz Espinoza
Vice President, Personal Lines Department
Tel: 323-255-2333 Ext. 223
Fax: 323-255-0957
Email: personalumbrella@amqts.com
Website: www.andersonmurison.com