Med James, Inc.
P.O. Box 2014
Shawnee Mission, Kansas 66201
(800) 255-6503

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High Risk Umbrella                         Return to Personal Lines - Personal Umbrella

Program Features
• Coverage limits up to $5,000,000 (Non-admitted)
• Excess uninsured motorist coverage up to $1,000,000
• Drivers of all ages eligible
• 10 violations in the household and 4 violations per driver age 23 to 75
• 3 violations for drivers under 23 and over 75
• 5 accidents per household, 3 accidents per driver age 23 to 75
• 2 accidents for drivers under 23 and over 75
• 2 alcohol or drug related violations per household, 1 per driver
• Unlimited number of vehicles (including motorcycles and motor homes)
• Unlimited number of 1 to 4 family residences (including rentals)
• Unlimited number of recreational vehicles
• Unlimited number of watercrafts up to 75 feet (Max MPH 50)
• Underlying auto coverage under a business auto policy accepted

Program Advantages
• True Umbrella Coverage
• No self insured retention
• Worldwide Coverage
• Personal injury protection automatically included when provided by underlying coverage
• A.M. Best rated A++ carrier

Billing
• Agency Bill

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