What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Personal Lines · Calculator, Comparison & Guide

Personal Umbrella Insurance: Calculator, Comparison Table & Guide

Size the limit to your assets and exposures; the premium is small relative to what's protected.

1. Calculator
2. Comparison
3. Guide
FAQ

Prong 1 · Interactive Calculator

Umbrella Limit & Cost Estimator

Size the limit to your assets and exposures; the premium is small relative to what's protected.

Net worth (excluding retirement accounts) ($)

Annual household income ($)

Homes / rental properties

Vehicles

Drivers under 25

Boats / jet skis

Pool, trampoline, or dog?

Serve on a nonprofit board?

Results
Line	Estimate
Recommended limitRule of thumb: net worth + 5 years of future earnings, rounded up to the next $1M.	—
Millions of coverage	—
Base premium	—
Exposure loads	—
Estimated annual umbrella premium	—
Cost per $1M of coverage	—

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

Get the real number — Start Smart Intake

Prong 2 · Comparison Table

Umbrella Structures

Follow-form vs. broad umbrella vs. excess.

Criterion	Excess Liability (Follow-Form)	Personal Umbrella (Standard)	High-Net-Worth Umbrella
Broader than underlying policies	Excluded	Some (drop-down)	Yes
Personal injury (libel, slander)	Excluded	Included	Included
Uninsured motorist excess	Excluded	Optional	Included
Board service (nonprofit D&O)	Excluded	Optional	Included
Defense outside limits	Excluded	Usually	Included
Limits available	$1M–$5M	$1M–$5M	$5M–$100M
Best fit	Rare	Most households	Net worth > $5M

Included: covered in base form
Excluded: not available
Optional: available by endorsement
Limited: sublimited or conditional

Prong 3 · Deep-Dive Guide

Personal Umbrella: A Million Dollars of Coverage for the Price of a Dinner

The single highest-value policy most households don't own.

What it does

Adds $1M–$10M above your auto and home liability, and covers some things they don't (libel, slander, false arrest).

Attaches over auto, home, boat, and rental property liability
Requires minimum underlying limits (typically 250/500 auto, $300K home)
Worldwide

Who needs it

Anyone with assets, income, teen drivers, rental property, a pool, or a dog.

Landlords: every rental should be scheduled
Board members: many umbrellas extend to volunteer D&O
Professionals: wages can be garnished for decades

Cost

Roughly $200–$400 for the first $1M and $100–$150 per additional million for a typical household.

Frequently Asked Questions

Does the umbrella cover my business?

No. Business liability needs a commercial umbrella.

Do I need to raise my auto limits first?

Yes — the umbrella requires minimum underlying limits, and the gap between your current limits and the requirement is uninsured.

Does it cover my rental properties?

Yes, if each is scheduled and has its own underlying liability (usually $300K–$500K).

Related: personal umbrella insurance · excess liability · umbrella policy Texas

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your personal umbrella exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

Start Smart Intake

Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.