In short: I need umbrella insurance up to 2million to fulfill a contract obligation. My husband is considered 'high risk' and so I can't find anyone to give it to me. Looking for advice/suggestions.
I am joining a private practice in the next few months from a hospital employed position. My new contract states that I am 'obligated to maintain and use an automobile to carry out Employees duties of employment, including travel to hospitals, and in connection therewith, maintain and provide evidence to employer upon request by employer of automobile liability insurance with an aggregate coverage in an amount equal to the maximum that the employees auto policy allows. The employer will then pay for the cost of excess liability coverage secured by employee to bring the total aggregate coverage to 2 million dollars'
My questions pertain to the excess liability coverage (which I understand to be umbrella insurance). I do not currently have umbrella insurance and am unfortunately running into problems trying to secure some. My husband has a significant driving history that is consistently disqualifying me from getting it. And I've been told I can't just get it for myself (I have no concerning history) since he is a part of my 'household exposure'.
Does anyone have any suggestions? Companies you know of who will insure who they would consider to be a very high risk person? I realize if we can find some it will be pricey, but I can't even find any at all. Do you read this as i need to have max auto insurance on all of our vehicles? Or just the one I drive for work?
My husband has had several DUIs (a few in college and then one in the past 2.5 years ago that was charged as a felony because of his prior history). He has successfully been through rehab and has had zero alcohol in 2+ years. He is required to have an ignition interlock on any vehicle he drives, and so does not drive my vehicle at all, so is no risk to get in an accident with my car. We are in a great place with our life/marriage and thought we had moved past most of the stress this felony has caused. This new job is an amazing opportunity for me/us, but the umbrella insurance issue is one I wasn't anticipating ... I didn't realize he would automatically disqualify me, since I am personally very low risk and easily insurable.
I'm really hoping to be able to figure this out and not to have to disclose any of my husbands history to my new employer, as it will be a small town and is irrelevant to our current life.
Thanks for any suggestions!
I am joining a private practice in the next few months from a hospital employed position. My new contract states that I am 'obligated to maintain and use an automobile to carry out Employees duties of employment, including travel to hospitals, and in connection therewith, maintain and provide evidence to employer upon request by employer of automobile liability insurance with an aggregate coverage in an amount equal to the maximum that the employees auto policy allows. The employer will then pay for the cost of excess liability coverage secured by employee to bring the total aggregate coverage to 2 million dollars'
My questions pertain to the excess liability coverage (which I understand to be umbrella insurance). I do not currently have umbrella insurance and am unfortunately running into problems trying to secure some. My husband has a significant driving history that is consistently disqualifying me from getting it. And I've been told I can't just get it for myself (I have no concerning history) since he is a part of my 'household exposure'.
Does anyone have any suggestions? Companies you know of who will insure who they would consider to be a very high risk person? I realize if we can find some it will be pricey, but I can't even find any at all. Do you read this as i need to have max auto insurance on all of our vehicles? Or just the one I drive for work?
My husband has had several DUIs (a few in college and then one in the past 2.5 years ago that was charged as a felony because of his prior history). He has successfully been through rehab and has had zero alcohol in 2+ years. He is required to have an ignition interlock on any vehicle he drives, and so does not drive my vehicle at all, so is no risk to get in an accident with my car. We are in a great place with our life/marriage and thought we had moved past most of the stress this felony has caused. This new job is an amazing opportunity for me/us, but the umbrella insurance issue is one I wasn't anticipating ... I didn't realize he would automatically disqualify me, since I am personally very low risk and easily insurable.
I'm really hoping to be able to figure this out and not to have to disclose any of my husbands history to my new employer, as it will be a small town and is irrelevant to our current life.
Thanks for any suggestions!
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