We're eyeing nationwide expansion in 2027 or later this year!
They'll enforce the minimums even as a standalone policy, my understanding is it's that the umbrella always "sits" ontop of something. I.e., they want you to clear the other liability limits before they step in to provide coverage.
It is kind of a huge hassle, especially in states like CA or FL where a lot of carriers have withdrawn and the default bundle option isn't necessarily available. We went looking for high pain X feasibility and this is where we landed!