HOMEOWNER/CONDO UNIT OWNER/RENTER INSURANCE

Whether you're a homeowner, renter, or own a condo, Umialik understands that your property — whether it be real estate, personal property, or both — is special and valuable. We believe it deserves the protection to match.

With a variety of options tailored to meet your individual circumstances, we can cover just about everything. Our Signature Home and Select Home programs provide a range of customizable insurance options. The Penalty-Free Promise®, which guarantees you won’t pay a higher rate as the result of claims, is also included in our Signature Home program. The variety of discounts we offer can help make your premium even more affordable, and our experienced claim staff is always ready to provide the outstanding service you want and deserve.

Your Independent Insurance Agent can help you determine the right fit of coverages, discounts, and price. If you do not currently have an Independent Insurance Agent, you can find an agent who works with Umialik using our Find an Agent tool.

Features

• Penalty-Free Promise® (included in Signature Home)
• Common Loss Deductible
• Watercraft Liability
• Identity Fraud Expense Coverage

Discounts

• Burglar and Fire Alarms
• Multi-Policy Discount
• New or Remodeled Home

Coverages

• Coverage A - Residence (Homeowner)
• Coverage B - Related Private Structures (Homeowner)
• Coverage C - Personal Property
• Coverage D - Additional Living Expenses and Loss of Rent
• Coverage L - Personal Liability
• Coverage M - Medical Payments to Others
• Other coverages may be optional or included (depending on the program and form):
• Assisted Living
• Business Property
• Computer
• Credit Card
• Cyber Liability
• Debris Removal
• Earthquake
• Homeowner Equipment Breakdown
• Identity Fraud Expense
• Golf Cart
• Guns
• Golf Equipment
• Jewelry, Watches, Furs
• Loss Assessment Coverage
• Office, Professional, Private School or Studio Occupancy
• Other Structure On and Off Premises
• Personal Injury
• Personal Property - Special Coverage
• Refrigerated Food Spoilage
• Replacement Cost - Residence
• Replacement Cost - Personal Property
• Water Damage - Sewers, Drains, and Sumps

Getting a Quote

At Umialik, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent:

• An Independent Insurance Agent represents many companies and provides you with choices for coverage and pricing.
• An Independent Insurance Agent represents your interests because they are not employees of any one insurance company.
• An Independent Insurance Agent is a real person you can trust to help you out when you have a question or a claim situation.

Contact your Independent Agent to get a quote for our products. If you don't already have an Independent Insurance Agent, you can find an agent in your area who works with Umialik using our Find an Agent tool.

DWELLING PROPERTY

Do you own multiple properties? Umialik offers Dwelling Property insurance to help customers cover various types of dwellings that their Home insurance does not cover. Some properties that can be covered by Dwelling Property insurance include seasonal properties and properties that you rent to others. Dwelling Property insurance is available as a separate policy.

Your Independent Insurance Agent can help you determine if Dwelling Property insurance is right for you. If you do not currently have an Independent Insurance Agent, you can find an agent who works with Umialik using our Find an Agent tool.

Coverages

• Coverage A - Residence
• Coverage B - Related Private Structures
• Coverage C - Personal Property
• Coverage D - Fair Rental Value
• Coverage E - Additional Living Costs
• Other coverages may be optional or included (depending on the program and form):
• Condo (Improvements, Alterations, and Additions)
• Business Property
• Inflation Guard
• Loss Assessment
• Ordinance or Law
• Sewer and Water Backup Coverage
• Special Coverage for Condos
• Theft Coverage

Getting a Quote

At Umialik, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent:

• An Independent Insurance Agent represents many companies and provides you with choices for coverage and pricing.
• An Independent Insurance Agent represents your interests because they are not employees of any one insurance company.
• An Independent Insurance Agent is a real person you can trust to help you out when you have a question or a claim situation.

Contact your Independent Agent to get a quote for our products. If you don't already have an Independent Insurance Agent, you can find an agent in your area who works with Umialik using our Find an Agent tool.

RECREATIONAL INSURANCE

Everyone knows that the term “toys” doesn’t just apply to fun things for kids. Whether you own an all-terrain vehicle (ATV), utility task vehicle (UTV), boat, or snowmachine, Umialik offers recreational vehicle insurance that can help you protect your toys and enjoy your favorite pastimes for years to come. Our Road & Trail and Watercraft policies are available to our customers who have an Umialik Personal Auto policy.

Watercraft Insurance

Nothing beats being out on the water – that is, except adding the peace of mind that comes from knowing your watercraft is protected by insurance. Our Watercraft insurance policy provides customizable coverage for your watercraft and additional equipment.

Road & Trail Insurance

Whether you prefer the open road or having no road at all, Umialik has the policy to protect your ride. Our Road & Trail insurance program provides coverage for a range of vehicles, including ATVs, mopeds, snowmachines, and UTVs. Umialik offers coverage options that can be customized to your needs, including coverage for carried contents, safety riding apparel, trailers, custom equipment, and more.

Getting a Quote

At Umialik, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent:

• An Independent Insurance Agent represents many companies and provides you with choices for coverage and pricing.
• An Independent Insurance Agent represents your interests because they are not employees of any one insurance company.
• An Independent Insurance Agent is a real person you can trust to help you out when you have a question or a claim situation.

Contact your Independent Agent to get a quote for our products. If you don't already have an Independent Insurance Agent, you can find an agent in your area who works with Umialik using our Find an Agent tool.

PERSONAL UMBRELLA INSURANCE

Lawsuits against individuals are common and can sometimes reach devastating levels. While your Personal Auto and Home/Condo Unit Owner/Renter policies may provide coverage to help with these costs, it doesn't take much for certain lawsuit amounts to exceed the limits of those policies. For example:

• You cause an auto accident that permanently disables another driver.
• Your pet dog bites a child, causing physical and psychological harm.
• Your son or daughter is accused of cyber bullying, resulting in a defamation lawsuit.
• You accidentally injure someone while boating or hunting.

These are just a few examples of the types of personal liability lawsuit situations that tend to result in very severe lawsuit amounts. A Personal Umbrella policy protects you in these situations by providing an extra layer of liability coverage over that provided by your other personal insurance policies. The Personal Umbrella insurance policy increases certain limits to $1 million or more, providing the extra coverage that can help secure individuals and families from severe liability costs. This affordable policy is available to customers who have both a Personal Auto policy and a Home/Condo Unit Owner/Renter policy from Umialik.

Uninsured and Underinsured Motorists coverage can also be added to a Personal Umbrella policy to provide an extra layer of protection for you and your family. If you or a resident family member were to get in an accident with a driver who is at fault but who does not have insurance (uninsured) or does not have enough insurance (underinsured) to cover your injuries, this optional coverage could provide the extra funds to help pay those damages.

Your Independent Insurance Agent can help you determine if Personal Umbrella insurance is right for you. If you don't currently have an Independent Insurance Agent, you can find an agent who works with Umialik using our Find an Agent tool.

Additional Benefits

• Worldwide Personal Liability Coverage
• Bodily Injury & Property Damage Liability Coverage
• Personal Injury Liability Coverage
• Legal Defense

Getting a Quote

At Umialik, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent:

• An Independent Insurance Agent represents many companies and provides you with choices for coverage and pricing.
• An Independent Insurance Agent represents your interests because they are not employees of any one insurance company.
• An Independent Insurance Agent is a real person you can trust to help you out when you have a question or a claim situation.

Contact your Independent Agent to get a quote for our products. If you don't already have an Independent Insurance Agent, you can find an agent in your area who works with Umialik using our Find an Agent tool.

BUSINESSOWNERS POLICY (BOP)

Umialik's Businessowners Policy (BOP) program is designed for small businesses that desire to combine their property and liability insurance needs into one convenient package of coverages. Our unique BOP program is available for eligible small business classes and comes complete with flexible payment options, including monthly direct bill installments.

COMMERCIAL AUTO

Umialik insures commercial vehicles in conjunction with other commercial policies.

Standard coverages for Commercial Auto include:

• Combined single limit insurance for Bodily Injury and Property Damage
• Medical payments
• Uninsured and Underinsured Motorist
• Comprehensive
• Collision
• Other miscellaneous coverages are also available

COMMERCIAL FIRE

Umialik provides many types of insurance that are necessary to protect your business from the perils of fire, theft, wind, loss of income, and more. Coverage for building, business personal property, and personal property of others is standard under the policy. In addition, Umialik has several Property Enhancement Endorsements that expands many of the coverages available under the basic property form.

The following coverages are subject to expanded limits:

• Accounts receivable
• Back-up of sewers
• Changes in temperature or humidity
• Distance from described premises
• Electronic Data Processing (EDP) (computer)
• Extra expense
• Fire extinguisher recharge
• Inventory and appraisals of loss
• Lock replacement
• Newly acquired or constructed property
• Ordinance or law
• Off-premises power failure
• Outdoor property
• Personal effects
• Property off premises (includes exhibition)
• Property in the custody of salespersons
• Property of others
• Property in transit
• Reward reimbursement
• Signs (attached and unattached)
• Utility services (off-premises power failure)
• Valuable papers

COMMERCIAL PACKAGE POLICY

The Commercial Package Policy (CPP) is a valuable and cost-effective way to combine many different lines of business into one package. The Commercial Fire, Crime, Inland Marine, and General Liability coverages are eligible for the package.

COMMERCIAL UMBRELLA

Umialik writes Commercial Umbrella policies in conjunction with other commercial insurance. This policy adds higher limits of liability beyond General Liability and Commercial Auto. One of the requirements of the Commercial Umbrella program is that Umialik insures your primary underlying coverages.

CONTRACTORS E&O

Umialik's Contractors E&O form provides coverage on a claims-made basis for damages resulting from the policyholder’s negligent act, error, or omission arising from the business operation described in the declarations or from a defect in material or product sold or installed by the policyholder while acting in the business.

CYBER LIABILITY

With the increased use of e-commerce; web-based file storage; and the proliferation of smart phones, laptops, and tablets in businesses of all sizes, data security risks are growing exponentially. Recognizing this increasing risk, we developed a Cyber Liability coverage program that provides both first-party and third-party protection for our new and existing commercial customers. For Cyber Liability, several coverage limits are available.

Our program includes these core coverage components:

• Network Security and Privacy Insurance – coverage for both online and offline information, virus attacks, denial of service, and failure to prevent transmission of malicious code
• Regulatory Defense and Penalties – coverage for defense costs and fines and penalties resulting from government investigations
• Privacy Breach Response Costs – coverage for costs incurred to notify affected individuals
• Distance from Described Premises
• Network Asset Protection – coverage for income loss, business interruption expenses, and costs to restore data that is damaged
• Multimedia Insurance – coverage for copyright/trademark infringement
• Cyber Extortion – coverage for extortion expenses and monies as a direct result of a credible cyber extortion threat
• Cyber Terrorism – coverage for income loss and interruption expenses as a result of the interruption of the customer’s computer system due to a cyber terrorism attack
• Payment Card Industry Data Security Standard (PCI / DSS) fines and penalties
• Cyber Crime – coverage for losses incurred due to (1) wire transfer fraud, (2) fraudulent use of an insured telephone system, and (3) phishing schemes that impersonate your brand, products, or services, including the costs of reimbursing your customers for losses they sustain as a result of such phishing schemes

EMPLOYMENT PRACTICES LIABILITY

Umialik offers Employer's Practices Liability (EPL) coverage for eligible commercial policies, making it easier and affordable for employers to protect themselves against these increasingly prevalent claims. This EPL program protects employers against claims of discrimination, sexual harassment, wrongful termination, and other unlawful employment practices.

Access Umialik's EPL resource website (EmployerProtectionNet) .

EPL website resources:

About EmployerProtectionNet (PDF)

Establishing Access to EmployerProtectionNet (PDF)

Legal Advice Line (PDF)

EQUIPMENT BREAKDOWN

Equipment Breakdown insurance covers the physical and financial damage stemming from an insured equipment failure. It's the bottom-line protection essential for today's technology-driven world. Umialik's policy pays for losses that aren't typically covered by standard property policies.

Our insurance includes:

• Mechanical breakdown
• Cloud computing service interruption
• Electrical arcing
• Hot water heater loss or damage
• Microelectronics coverage
• Off premises coverage
• Public relations coverage
• Steam boiler, piping, engine, or turbine explosion
• Steam boiler loss or damage

GENERAL LIABILITY

Umialik’s General Liability policy provides coverage for the following:

• Bodily Injury
• Property Damage
• Personal Injury
• Advertising Liability
• Damage to Premises Rented to You
• Medical Expense

INLAND MARINE

Umialik provides most of the typical Inland Marine coverages. Listed below are some of the more common ones:

• Accounts receivable
• Bailees' coverage
• Builders' risk
• Cargo
• Contractors' equipment
• Electronic Data Processing (EDP) (computer)
• Installation floater
• Signs
• Transportation floater
• Valuable papers

SPECIALTY

Umialik Insurance offers niche insurance coverages through the specialty program. Currently, Umialik offers carefully crafted, individually underwritten policies for a number of specialty business classes, including:

• Animal-related risks
• Guides and outfitters
• Health and fitness clubs
• Recycling and dismantling
• Refuse haulers
• Septic services
• Special events
• Social service and non-profit organizations
• Tree care

WORKERS' COMPENSATION

The Workers' Compensation policy pays for medical expenses and lost wages in amounts determined by state law. All employers are required to either purchase Workers' Compensation insurance or be self-insured. Employers can work with loss control representatives and claim administrators at Umialik to monitor and manage their claims.