IBA Five Star

Office Hours:
6:00 AM to 6:00 PM (PST)
MonarchAnderson & Murison
License# 0L09546
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For more information:
T: (800) 234-6977 Ext. 260
F: (323) 255-0957
Email Us At:

CA License: 0323106

Important California Personal Umbrella Developements:

Hudson Announces Coverage Reduction:

Hudson Insurance Group informed us on July 22nd that they will exclude all auto liability coverage in their admitted personal umbrella program for a significant number of zip code* areas in California. This affects new applications effective August 1st and renewal business effective November 1st. Hudson began sending their "Conditional Renewal Offer" directly to insured’s on August 1.  We have developed an alternative with RLI to replace the affected policies.

* Affected Zip Codes:

First 3 digits beginning with 900 through 918

Replacement Policy Direct Bill Process:

Our job as a wholesale underwriting agency is to offer you the best alternatives available.

·         We will send a quote and prefilled application and request for payment to your client replacing Hudson with RLI, an A+ rated admitted carrier. The rates will, in almost every case, be less than the Hudson expiring

·         You will receive an email from us with the quote  sent to your client at the same time the quote is mailed to your client.

·         Binding is subject to our receiving a signed application, full payment, and underwriting approval.


State of the Market:

The California tort liability situation is causing a very restricted market for high limit auto and personal liability exposures. New developments such as private equity litigation financing are resulting in an increase frequency and severity of claims. Just see the many personal injury lawyers advertising on TV, social media and even on public transportation and Dodger Stadium. Your clients need more protection, but the cost of that protection is increasing as the supply is decreasing.  It’s not as visible as the meter at the gas station but this is inflation caused by a lack of supply and an increased demand. It affects your clients in exactly the same way as the situation at the gas pump.

Need to talk to our underwriter?
Call (800) 234-6977 x260 (6am - 5pm Pacific Time)
Fax: (323) 255 0957 or Email: personalumbrella@amqts.com

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800 W. Colorado Blvd • Los Angeles, CA 90041 • California License #0L09546
This is a marketing notice only. Nothing contained hereon alters, modifies or changes the actual policy language as may be issued by an insurance carrier.