For Independent Agents & Brokers

Personal Umbrella.
Finally done right.

Stop losing umbrella business to PersonalUmbrella.com's 1999 interface. Modern Umbrella gives independent agents a fast, modern quoting platform with real API connectivity, broad appetite, and competitive commissions.

The Problem Today

PersonalUmbrella.com's UI hasn't changed since 1999
100% manual data entry — every field, every time
No API connectivity to underlying carriers
Carrier capacity has shrunk dramatically since 2020
Agents are losing umbrella clients with nowhere to turn

The Modern Umbrella Solution

Clean, modern UI built for 2026 — not 1999
Canopy Connect API auto-fills from 250+ carriers
Quote and bind in under 5 minutes
Broad appetite: standard, preferred, and non-standard risks
A-rated admitted carrier paper, all 50 states

The Platform

The platform agents
have been waiting for.

We built Modern Umbrella from the ground up for independent personal lines agents. Every feature was designed to eliminate friction, reduce manual work, and get your clients covered faster.

Canopy Connect Policy Auto-Fill
Connect to 250+ carriers and pull underlying auto and home policy data in real time. Zero manual entry. Your client's policy information populates automatically.
Live Premium Calculator
The annual premium updates in real time as you adjust the limit. No waiting for a quote to come back — you see the price the moment you change a field.
Instant Policy Documents
Binders are issued and emailed automatically the moment you bind. No waiting, no faxing, no follow-up calls.
Agency Dashboard
Track your full book of business, upcoming renewals, commission statements, and policy status in one clean dashboard.
No Application. No MVR.
We don't require a full application or motor vehicle report for standard and preferred risks. Just the basics — and you're done.
Modern Umbrella Agent Dashboard

Commission Structure

Competitive commissions.
Simple structure.

We keep the commission structure simple and transparent. No tiered minimums, no production requirements to get started.

New Business
15%

Earned on every new policy written through your agency portal. Paid monthly on confirmed premium.

Renewal Business
10%

Earned on every policy that renews. High retention rates mean this compounds quickly over time.

Referral Bonus
+2%

Refer another agency to Modern Umbrella and earn an additional 2% on their first 12 months of production.

Example: 50 Policies per Month

Avg. Annual Premium
$370
Monthly New Business (50 policies)
$18,500 GWP
Your Monthly Commission (15%)
$2,775

Plus renewal commissions compound as your book grows. At 80% retention, Year 2 renewals add ~$22,200 in additional annual commission on top of new business.

Underwriting Appetite

Broad appetite.
A-rated admitted paper.

We write standard, preferred, and non-standard risks. If your client has been declined elsewhere, we likely have a market.

Standard

  • 1–2 homes, up to 4 vehicles
  • Clean driving records (3 years)
  • No youthful drivers under 21
  • No prior umbrella claims
  • Limits: $1M–$5M
  • Available agent or direct

Preferred

  • Multiple properties & rentals
  • Recreational vehicles & watercraft
  • Youthful drivers (age 21–25)
  • Limits up to $10M
  • Excess UM/UIM available
  • Home-sharing (Airbnb) exposure

Non-Standard

  • Drivers under 21
  • 1–2 prior at-fault accidents
  • Prior umbrella cancellation
  • High-value collectibles
  • Limits: $1M–$3M
  • Agent placement only

Ready to write your first policy?

Get access to the agent portal today. No production minimums. No setup fees. Just start quoting.