Umbrella Application

Templates

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Insurance

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Datapoint

Description

This is some text inside of a div block.

Named Insured

Legal name of the individual or business applying for coverage.

Mailing Address

Full address of the insured, including street, city, state, and ZIP code.

Entity Type

Business structure of the applicant (e.g., Corporation, LLC, Sole Proprietor).

FEIN / SSN

Federal Employer Identification Number or Social Security Number for tax and underwriting purposes.

Producer / Agency Name

Name of the insurance agent or agency submitting the application.

Requested Effective Date

Date the umbrella policy coverage should begin.

Requested Expiration Date

Date the umbrella policy coverage should end.

Requested Umbrella Limit

Total limit of liability coverage requested.

Underlying Insurer Name

Carrier providing the underlying liability coverage.

Underlying Policy / Quote Number

Identifier for the underlying policy.

Underlying Liability Limits

Limits of liability for the underlying policy.

Underlying Effective Date

Start date of the underlying policy.

Underlying Expiration Date

End date of the underlying policy.

Coinsurance Percentage

Percentage of a loss the insured agrees to retain before umbrella applies.

Deductible Structure

Structure and amounts of applicable umbrella deductibles.

Insured Location Address

Address of the property or operation being covered.

Classification Code

Classification number assigned to the business activity.

Classification Description

Narrative description of business operations or exposures.

Classification Rating Basis

Basis used to calculate premiums, such as payroll or sales.

TRIA Coverage Requested

Indicates if Terrorism Risk Insurance Act coverage is requested (Yes/No).

Additional Insured Name

Other parties to be covered under the umbrella policy.

Policy Exclusions

Listed operations or exposures excluded from coverage.

Supporting Document Name

Names or descriptions of attached supporting documents (e.g., loss runs, underlying policy declarations).

An umbrella insurance application collects key information about the applicant, underlying liability policies, and requested coverage to provide excess protection above primary insurance. It includes applicant details such as the named insured, mailing address, entity type, FEIN or SSN, and producer information, along with requested effective and expiration dates and the umbrella liability limit.

Feathery’s AI extracts underlying insurance details including carrier name, policy number, liability limits, and effective dates. It also captures coverage structure elements such as coinsurance percentage, deductible amounts, and classification information tied to payroll, sales, or other rating bases. Additional data points include TRIA coverage requests, additional insureds, policy exclusions, and supporting documentation like loss runs or declarations. Automating these inputs streamlines underwriting, improves data accuracy, and ensures faster processing for umbrella liability applications.

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ACORD 25

ACORD 26

ACORD 27

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