Excess umbrella liability
from $1M to $10M+.
Excess liability layered above your home, auto, watercraft, and secondary residences. Designed specifically for high-net-worth households and business owners with more to defend.
Zero-Seam Attachment Coordination
The most dangerous mistake in umbrella liability is a "coverage gap"—where your umbrella requires $500,000 in underlying auto liability, but your auto policy was set at $300,000. If an accident occurs, you are personally on the hook for the $200,000 gap before the umbrella kicks in. McClain & Co. audits all underlying policies to guarantee seamless attachment.
Legal Defense Outside Limits
Legal fees, expert witness costs, and attorney representation paid by the insurer without depleting your liability coverage limit.
Worldwide Personal Defense
Protects your family while traveling abroad, operating rental vehicles internationally, or vacationing overseas.
Board & Nonprofit Liability
Coverage for personal liability exposure resulting from volunteer service on civic, charitable, or homeowner association boards.