Umbrella Insurance: What It Is and What It Covers

Umbrella Insurance: What It Is and What It Covers | Distinguished Programs

Everyone has heard of a lawsuit horror story that cost a family or business millions of dollars in fees and damages. Umbrella insurance policies help cover those extraordinary costs so that your clients can sleep well knowing they aren’t one accident away from insolvency.  However, not everyone knows what an umbrella policy is or how…

Read More

Express Umbrella Insurance Q+A [Webinar Recording]

Build Your Business Community Association Small Real Estate Umbrella Coverage Webinar

We enjoyed talking with insurance brokers during our latest webinar, a 30-minute session entitled, “Build Your Business: Community Association & Small Real Estate Umbrella Coverage.” Watch the full webinar recording below: Our attendees challenged us with questions that went right to the heart of their current business issues. The session covered a broad range of…

Read More

Navigating Today’s Umbrella Insurance Market


In our previous article, we discussed what factors are driving rate increases, capacity restrictions, tighter underwriting, and program structure changes in the Excess Insurance market. It’s important to note that prior to the COVID-19 pandemic, carriers were already tightening underwriting in the Excess/Umbrella market, specifically in the hotel, restaurant, and habitational sectors. In recent months,…

Read More

Help Customers Understand the Importance of Umbrella Coverage

Help Customers Understand The Importance Of Umbrella Coverage

Here at Distinguished a lot of our customers question why umbrella coverage is necessary, especially for entities like condominium associations that aren’t perceived to be high risk. Most feel confident that they won’t experience severe losses, and consequently that they don’t need to spend money they may not have in order to purchase an umbrella…

Read More

Preventing Child Abuse in Day Camps

Golf Kids

Sometimes parents feel like they need a vacation when they’re on vacation. It’s true. The packed itineraries, disrupted routines, and lack of alone time can be exhausting. Which is why over 18 percent of U.S. hotels and resorts now offer classes, camps, and activities just for kids. It’s great.

Read More

4 Lawsuits You Don’t Want at Your Hotel


A man walks into a Vegas hotel room. Sees a silhouette of a person in his darkened room. In a panic, he scrambles away, causing injuries to his body and mind. Bam. Lawsuit. The twist? The “person” he saw was a mannequin, part of room decorations in a Planet Hollywood casino-hotel with 2,500 rooms. Here’s…

Read More

Pool Safety: Pool Drownings Can Happen in A Flash

Swim Ring

More than 3,500 people – many of them children – drown each year in the U.S. and many more suffer serious, irreversible injury in near-drowning incidents, according to the Centers for Disease Control and Prevention (CDC). Furthermore, for every fatal drowning incident involving a child 14 years old or younger, three children require emergency room…

Read More

The Skinny on Having Higher Umbrella/Excess Liability Limits

Large Loss

The industry sectors we insure are big businesses in the U.S. For example, revenue in the hotel industry across more than 52,000 properties is estimated at $189-plus billion. This includes everything from limited service hotels to luxury full-service hotels and resorts. The restaurant industry boasts $1 million-plus locations representing 10% of the workforce with revenues…

Read More