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Umbrella Adequacy Screener

Answer nine questions about a client's balance sheet, exposures, and current umbrella program. In return: a common floor for that profile that rounds the selected net worth range up to its top, built on the same idea this site's high-net-worth checklist teaches, the specific reasons this household might belong above it, and any gap between the umbrella and the home or auto policies underneath it. The floor is a starting point, not a final number, so the tool states it plainly and leaves the actual limit as a conversation. No login, no client names. Nothing you enter leaves your browser.

When the number sits on a line between ranges, pick the higher one.

The round-up rule stops at a floor

The familiar shorthand rounds a household's net worth up to the next million and calls that the umbrella limit. This screen works from the same idea using its own set of ranges: it rounds the selected net worth range up to its top and calls that the floor. The rest of the screen is about whether this particular household belongs above it.

Reachable assets and future income argue for sitting above the floor, and so do household-specific risk factors: young drivers, rental properties, watercraft, frequent short-term hosting, a board seat, household employees. This screen lists whichever of those apply to a given household as plain, checkable reasons, the same reasons behind our high-net-worth umbrella checklist. It states the floor and the reasons together and leaves the final number where it belongs, with the client and their advisor.

Where the attachment gap hides

An umbrella policy does not stand on its own. It sits above the home and auto liability limits underneath it. It responds only above that required attachment point, and the client owes the layer in between. Move an auto policy to a new carrier for a better rate, and the liability limit that comes with the new quote can land below what the umbrella needs, quietly, with nobody deciding to create a gap. Until someone checks the umbrella's attachment requirement against the new declarations page, the household is carrying the layer between the new auto limit and the umbrella's required attachment point entirely out of pocket.

The same logic covers rentals and larger watercraft: each one needs its own underlying liability policy named and current, or the umbrella has nothing to sit on top of at that point. A missed one rarely shows up until a claim does.

Short-term hosting is a different question. Whether it is covered at all usually lives in the home policy's endorsement or exclusion language and in the umbrella form's own hosting language, and frequent hosting can call for a dedicated policy of its own. This screen asks about each of these directly and names the specific document worth pulling to confirm it, current as of August 2026 and reviewed quarterly.

Common questions

Is this a recommendation?
No. It states a common floor for the profile and the specific reasons this household might belong above it. The floor line always carries the same qualifier: it is a floor, and the rest of the screen says whether stepping above it makes sense. The actual limit stays a conversation between the client and their advisor.
What is an attachment gap?
The umbrella has a required attachment point: the home and auto policies beneath it need to carry at least a minimum liability limit. The umbrella responds only above that point, and the client owes the layer in between on their own. When an underlying limit sits below the requirement, often after moving to a new auto carrier for a better rate, that layer becomes real money out of pocket. The screen flags a likely gap from the limits entered; the umbrella policy's schedule of underlying insurance is the document that confirms it.
Is anything I enter stored?
No. The screen runs entirely in your browser. Nothing you enter is sent to a server, stored, or logged, and no client name is asked for anywhere.
Why does a board seat need its own look?
Personal umbrella policies typically exclude or sharply limit liability that comes from serving on a nonprofit board. The organization's own directors and officers policy is the real protection for that seat, and its limit is often shared across the whole board. Reading that D&O policy is part of the same risk review this screen starts.
How is Aligned Path compensated?
By the carrier, when a policy is placed. Your firm pays us nothing, and there is no fee to you or your client for a screen or a review. Carrier compensation is a real conflict, so we manage it with a process: cases are shopped across the lineup for fit, options are presented in plain language, and the client decides on their own timeline.

If a program comes back worth a second look or the gap is real, send it over. We place umbrella coverage for advisor clients, including high limits, and we will say plainly when the current program already clears the floor.

How working with us goes