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Umbrella Insurance — CLEAR Report
An umbrella is only as strong as what sits beneath it.
Your CLEAR Report analyzes the exact language in your umbrella policy — not generic advice. Every finding is specific to your carrier, your state, and your coverage.
What We Analyze
→Underlying policy limit requirements and compliance
→Coverage triggers and drop-down provisions
→Personal injury coverage inclusion
→Uninsured motorist umbrella stacking
→Business activity exclusions
→Watercraft and recreational vehicle coverage
→Board membership and volunteer liability
→Foreign liability coverage territory
Industry Reality Check
What the data actually shows.
$1M+
jury awards are increasingly common in personal liability cases
62%
of umbrella policies have underlying limit gaps that void coverage
$300
average annual cost for $1M umbrella — most underestimate the value
1 in 6
umbrella claims are denied due to underlying policy non-compliance
Common Coverage Gaps
Where umbrella policies typically fall short.
Three common areas where coverage often fails to match real-world exposure. Your CLEAR Report flags each of these — specific to your policy language.
Gap 01
Underlying policy limit requirements and compliance
Gap 02
Coverage triggers and drop-down provisions
Gap 03
Personal injury coverage inclusion
Your Report Framework
The CLEAR Report — 5 Core Areas
Every report — regardless of policy type — covers these five pillars. Each section is populated with findings specific to your actual policy language.
C
Coverage
What is actually protected under your policy and under what conditions.
L
Limits
Where your financial caps, sublimits, and per-occurrence maximums live.
E
Exclusions
What is explicitly left out — often buried in endorsements and riders.
A
Adjustments
Endorsements, modifications, and riders that change your base coverage.
R
Risk
Your overall exposure score based on gaps, limits, and exclusion density.
Report Structure
9 Sections. Every policy. Every time.
01
Coverage Summary
Plain-English breakdown of what your policy actually covers.
02
Limits Analysis
Every financial cap mapped against real-world exposure.
03
Exclusions Review
What is left out — and what that means for your specific risk.
04
Endorsements & Adjustments
Riders and add-ons that modify your base policy terms.
05
Risk Score
Your CLEAR score: a 0–100 rating of overall policy strength.
06
Coverage Gaps
Specific areas where your coverage falls short of your exposure.
07
Carrier Flags
Known issues and patterns specific to your insurance carrier.
08
Claim Readiness
Whether your policy and documentation are ready if you need to file.
09
Questions for Your Agent
Specific questions to ask your agent based on what we found.
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