Stress-test entered underlying and umbrella liability limits against one hypothetical covered-cost scenario and budget an actual quote without deriving a limit from net worth.
Choose your path
Stress-test exact entered underlying and umbrella limits against one hypothetical covered-cost scenario and budget an actual quote without recommending a limit.
Use the exact applicable underlying limit rather than the larger of unrelated policy limits.
Choose one clearly documented hypothetical exposure, copy the applicable declarations limit and umbrella limit, then inspect the transparent layers.
Can reproduce the remaining amount without treating it as a coverage or payment determination.
Budget actual quoted premium and fees while keeping required underlying limits and exposures matched.
Match covered people, households, properties, autos, boats, rentals, entities, limits, terms and exclusions, then enter each actual quote.
Compares quoted cost without a fabricated $200/$350/$500 premium table.
Keep a self-insured retention distinct from the ordinary underlying-limit path.
Copy the retention and relevant policy wording, inspect it as a separate alternative scenario line, and seek licensed advice for coordination.
Does not add retention automatically or assume the umbrella covers an underlying exclusion.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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Subtract the exact entered applicable underlying limit from the hypothetical covered liability and defense amount, floored at zero.
Above underlying = max(0, hypothetical covered costs − underlying limit)Add the entered applicable underlying and umbrella limits, then show any hypothetical amount above that combined figure. The result is not a payment or recommendation.
Above combined limits = max(0, hypothetical covered costs − underlying limit − umbrella limit)Add only the entered annual quote premium and entered annual policy/installment fees, then divide by 12 for a budget average. No premium table or risk multiplier is used.
Monthly budget average = (quoted annual premium + entered fees) ÷ 12Updated: August 2026
Layer a $300,000 applicable underlying limit and $1,000,000 umbrella limit against $1,800,000 hypothetical covered costs.
→ Shows $1,500,000 above the underlying limit, $1,300,000 combined entered limits, and $500,000 above combined limits.
Use a hypothetical covered amount below the applicable primary-policy limit.
→ Shows zero above the underlying and combined entered limits; it does not determine claim coverage or payment.
Budget only an entered licensed-carrier quote and fees.
→ Shows $295 annual entered quote cost and a $24.58 monthly budget average without estimating premium.
This worksheet layers an exact applicable underlying limit and an entered umbrella limit against a hypothetical amount you assume is covered, then normalizes an actual quote. It does not recommend a limit, infer risk from net worth, predict a premium, decide coverage, or estimate an insurer payment.