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Umbrella
Umbrella · For contractors and owners

Umbrella application.

Limits above your general liability, auto and employer’s liability, for a contractor or for an owner, landlord or property manager. It asks about your work or your properties, your vehicles, and each policy the umbrella sits over: its insurer, dates and limits. Answer what you can and send it from the review sheet. Our brokerage takes it to market and comes back with quotes, or with questions.

Plan on 20 to 30 minutes for a contractor or an owner, with your declarations pages to hand. Your answers are kept in this browser tab only, with no account. Closing the tab clears them, so gather your documents first (the checklist lists them).

Insurers need this to quote. You can send with blanks; we’ll ask for the rest.

Have your declarations pages? Drop them into the pre-fill panel, or send them to insurance@lightrfp.com and we fill this in with you.

What to have on hand: your declarations pages and the limit you need (6 things)

The first question asks whether you are a contractor or an owner, and the second sheet follows that answer. Answer counts assume a contractor with two vehicles, the three policies beneath in force and no claims.

  • Your declarations pagesFor your general liability, auto and workers’ comp policies: each insurer, the policy dates and the limits.
  • The limit you needWhat your contracts, leases or lender ask for, and any wording they require.
  • Contractors: your workYour trade, the states you work in, what you pay subcontractors and your largest recent contract.
  • Owners: your propertiesEach property’s address, use, units, stories and year built. The form lists ten properties. With more, send the full list to insurance@lightrfp.com (a spreadsheet is fine).
  • Your vehiclesHow many, how many are heavy trucks, and how many people drive them.
  • Loss runs, if you have themFive years of claims for each policy the umbrella sits over. You can send them after by replying to your confirmation email.
Start from your documents

Pre-fill this application from your documents

Drop your declarations pages, the insurance section of a contract or lease, or loss runs. We fill in answers you’ve left blank, and you check each one before you send.

Drag files here, or

PDF, photo (JPG, PNG, HEIC), Excel .xlsx, Word .docx, text or CSV. Up to 4 MB a file (larger photos are shrunk to fit), 12 files in all.

Good documents for this application

  • Your declarations pages
  • The insurance section of a contract or lease
  • Loss runs

Files are read to fill in answers and are not kept. An AI provider reads them under terms that don’t let it train on them.

Application
Umbrella and excess liability, for contractors and owners
Sheets
05
A contractor with two vehicles
about 73 answers, 67 required
An owner with one property
about 70 answers, 62 required
Status
Your answers go to Light RFP when you press Send. Files you drop in are read to fill in answers, and not kept.
Prepared by
Light RFP Risk Management Services LLC NY DFS License # PC-1978982

Umbrella application

Files you drop in fill in answers you’ve left blank.

UMB-01

Business

Who is applying, what kind of applicant you are, and how to reach you.

0/17required answered

Who is applying

The next sheet asks about your work if you are a contractor, or about your properties if you own or manage them.

Applicant

If the business uses another name.

If the business has one.

Owners: the rents and other income from the buildings.

Include the owners’ own pay. 0 if there is none.

Contact

Mailing address

Sheet 1 of 5
After you send

What happens after you send.

  1. We read it

    A Light RFP broker reads every answer, checks the policies beneath against what umbrella insurers require, and asks about anything blank or flagged.

  2. We take it to market

    Our brokerage takes it to the insurers whose appetite fits your work or your buildings.

  3. You compare and choose

    Limits, retentions and what each form covers, side by side, matched to what your contracts, leases and lenders require. Our brokerage puts the policy you choose in force and issues your certificates.

Send us your declarations pages and we’ll fill this in with you.

Rather go through it on a call? Schedule a call, or write to Light RFP’s insurance team: insurance@lightrfp.com

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