To say we live in a litigious society is very much an understatement. It takes only a single incident involving an individual or a family member, whether they are negligent or not, to be financially crippled. An individual Umbrella or Excess Liability Policy can provide the security to avoid such a catastrophic financial loss. Whether through an Umbrella Policy, which generally extends all liability coverages, or an Excess Liability Policy, which extends specifically identified liability coverages, D&H can help determine potential exposure and customize the best policy at the most competitive rate.

Individual Life/Health Application Form

Individual Homeowners Application Form

Individual Auto Application Form