About this episode
What the conversation covers.
Your home and auto policies have liability limits. When a claim exceeds them, what sits on top, and when does a California household need that second layer?
Aaron Bollinger of Bollinsure Insurance Services explains how personal umbrella insurance works as excess liability, what underlying limits carriers often look for, common trigger points for a broker review, and how to talk through high-level exclusions without guessing from a generic list.
What we cover:
- When home and auto liability limits may need a second layer
- Underlying limit requirements at a high level
- Common umbrella trigger points for California households
- How to brief a broker for an umbrella review
Resources:
- All Speaking of Insurance episodes
- Read the guide: Personal umbrella and asset protection in California
- Companion article: Personal umbrella liability limits in California
Get quoted: Compare coverage options with Bollinsure Insurance Services at www.bollinsure.com/quote , or call 562-268-9355 .
This episode is for general education only and is not legal, tax, or coverage advice. Coverage, eligibility, and pricing depend on the carrier, underwriting, and your policy terms.
Chapters
- 00:00 Welcome and cold open
- 01:20 What a personal umbrella is (and is not)
- 02:35 Example one: when primary limits run out
- 03:25 Example two: household trigger points
- 05:00 Underlying limit eligibility
- 05:40 Common misunderstandings
- 07:40 Why carriers pull back in California
- 09:42 Free broker review and changing exposure
- 11:47 Watercraft, RVs, and intentional acts
- 13:02 Parents, teen drivers, and separate policies
- 15:17 How to prep for an umbrella review
- 16:04 Soft close and thanks
Transcript excerpt
Welcome back to Speaking of Insurance, brought to you by Bollinsure Insurance Services. My name is Aaron Bollinger, and today we are going to be addressing the biggest liability exposure that individuals in California have. It is the fact that they do not have a personal… Full episode on bollinsure.com