Group Personal Excess & Umbrella Liability Program

Designed for NAPA members seeking personal protection against the financial impact of an uninsured loss or unfunded liability judgment.

NAPA has partnered with an industry leading “A” rated insurance carrier to bring its members a comprehensive Group Personal Excess & Umbrella Liability Program with broad coverage at affordable rates. Only $255 plus tax for $1,000,000 of coverage with limits up to $5,000,000 available.

  • Comprehensive Asset Protection Coverage for NAPA Members!

    • Do you have a young driver in the house?
    • A second home? Multiple vehicles? A dog?
    • A swimming pool, trampoline or a recreational vehicle?
    If you have any of these exposures, you should have a Personal Umbrella insurance policy to protect your assets. Our policy is underwritten by a nationally-known “A” rated carrier that has developed a best-in-class, competitively priced, personal umbrella policy for NAPA members.

    Benefits of this program include:
    • Short online application (only 5 questions)
    • Guaranteed pricing by limit and no surcharges for youthful drivers or multiple vehicles
    • Coverage Limits from $1 Million to $5 Million available
    • Unlike most personal umbrellas in the marketplace, we INCLUDE coverage for Uninsured/Underinsured motorists
  • Reasons Why You Should Sign Up For This Coverage

    • Your 17 year old daughter received her license yesterday and gets into a car accident today that is her fault. Will your primary auto insurance limits of $500,000 CSL (combined single limit) cover the bodily injuries of the occupants in the other vehicle and the property damage to the other vehicle?
    • Brownie, your lovable Chocolate Lab, decided he was tired of the adorable little girl next door poking him through the fence with a stick and he gets out of your yard and bites her. Will your primary homeowner's insurance limits of $300,000 CSL cover the medical bills as well as the lawsuit expenses?
    • You and your family are on vacation and a few of the neighborhood kids decide to go night swimming in your in-ground pool. One of them dives in and sustains serious injuries. Will your primary homeowner's insurance cover the medical expenses?
    • While on your family vacation, your husband decides it would be a great idea to rent a speedboat. He has a boating license but hasn't actually driven a boat in over 20 years, when he hits the dock and other boats at the marina, causing significant property damage and bodily injury to others. Do you have any coverage for this?
    • Your 16 year old son borrows your car to go to the movies with his friend. On the way, the driver of another vehicle goes through a red light and hits your car broadside. Your son and his friends are rushed to the hospital with serious injuries. As it turns out, the other vehicle is uninsured. Do you have adequate Uninsured/Underinsured Motorists Coverage in your primary auto policy to pay for the serious bodily injury sustained by your son and the other passengers in your car?

  Customer Care Center

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   (800) 593-7657

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Friday: 8 am – 5 pm ET

  Have Questions?

You can find answers to many of your questions in the NAPA Frequently Asked Questions.

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