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Umbrella Insurance.
“Integrity isn’t a statement. It’s the way we do business.”
Extended protection that goes beyond standard policy limits.
Umbrella Insurance provides an extra layer of liability protection above the limits of existing home, auto, or other primary policies. It helps safeguard personal assets and future earnings against major claims, lawsuits, or unexpected accidents that exceed underlying coverage. With access to top-rated carriers and flexible coverage options, umbrella programs are tailored to fit individual lifestyles—offering peace of mind and financial security when it matters most.
Umbrella Insurance Areas of Specialty.
Enhanced protection for clients with significant assets or public visibility, providing expanded liability limits to preserve wealth and reputation.
Coverage designed to protect against large personal injury or property damage claims that may exceed homeowners or auto policy limits.
Umbrella programs that extend liability protection for individuals with business ownership or investment interests, bridging gaps across personal and commercial exposures.
Additional coverage for rental property owners exposed to tenant or third-party liability claims beyond their property policies.
Protection for clients with elevated exposures such as pools, watercraft, or high-performance vehicles, ensuring broader coverage for accidents or injuries.
Consolidated umbrella solutions that unify protection across multiple homes, vehicles, and family members under one comprehensive policy.
We offer coverage solutions across industries, from construction and transportation to healthcare and hospitality.
Every policy is structured to match the unique exposures and needs of each client.
Strong carrier relationships allow us to place even the most complex casualty risks.
You have questions, we have answers.
We provide solutions for a wide range of risks, including catastrophe-exposed locations, frame construction, renovations, hospitality properties, energy operations, and more.
Absolutely. We cover upstream, midstream, downstream, utilities, solar, and other energy sectors, with tailored property solutions that evolve with the industry.
Yes. We design comprehensive, cost-effective property insurance solutions for municipalities, government agencies, educational institutions, and other public entities.
Yes. Our builders risk and construction property solutions protect projects of all sizes—from renovations to large developments—against job-site losses.
Parametric insurance helps address catastrophe-driven risks that don’t involve direct physical damage, offering products such as flood coverage designed for specific needs like golf courses.
We offer inland marine and transportation coverage for truck fleets, rail, container shipping, and aviation, ensuring valuable cargo is protected from origin to destination.
Crafting Casualty Coverage for a Complex Hospitality Account.
A multi-state hospitality group operating hotels, restaurants, and entertainment venues struggled to secure liability coverage after multiple liquor-related claims caused their prior carrier to non-renew. With significant ongoing exposure and the need for broad protection, the client required a creative program structure that addressed both liquor liability and general casualty risks.
Pantheris worked with carrier partners to design a layered solution that provided adequate limits while keeping the program cost-effective. By leveraging deep industry expertise and strong market relationships, Pantheris successfully placed coverage that other insurers had declined.