IRMI on Personal Umbrella Insurance

Course Description
This course provides an introduction to personal umbrella insurance. Because insurers use a wide variety of personal umbrella insurance forms, this course does not concentrate on one single form. Rather, it highlights the characteristics typical of personal umbrella forms in general, and it mentions many of the variations that appear in different policies.

Specifically, the course provides an overview of personal umbrella liability insurance, illustrates various ways of looking at the consumer needs that are addressed with personal umbrella insurance and explains why an umbrella is usually the best way to meet those needs, and examines the structure of the personal umbrella policy and the specific coverages available. The course also provides an overview of the personal umbrella market including underwriting, pricing, and selling umbrella policies.

This course will equip students to meet seven educational objectives—an understanding of the following basic concepts.

  • The nature of personal umbrella insurance
  • Why a consumer might buy a personal umbrella policy
  • How a typical personal umbrella policy is structured
  • The coverages, exclusions, and conditions of a typical personal umbrella policy
  • Personal umbrella endorsements
  • Personal umbrella underwriting
  • Selling personal umbrella coverage


International Risk Management Institute, Inc. (IRMI) is the premier provider of risk and insurance continuing education and reference publications, and is considered the ultimate authority by leading insurance practitioners. Written by industry experts, IRMI courses provide the most up-to-date, practical and reliable information possible.

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