Comprehensive Personal Liability
All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.
Click on the Products Below
Comprehensive Personal Liability
Product Features
- Stand alone liability for 1-2 family dwellings, condo units, mobile homes, tenants, secondary/seasonal, and vacant land
- Limits up to $1m
- Up to 15 locations per policy
- Eligible named insureds include individuals, trusts, limited partnerships, family partnerships, LLCs, estates or corporations established for personal investment purposes
- Dwellings under construction or renovation where the applicant is not the general contractor
- Vacant dwellings currently for sale or undergoing renovations or construction where the applicant is not the general contractor
- Vacant land up to 250 acres
- RV lots
- Risk with up to one liability loss under $10,000 in the last three years
- Dwellings with swimming pools; unfenced swimming pools or pools with diving boards higher than four feet or waterslides can be written excluding these specific exposures
- Risks with up to 15 locations
- High profile individuals
PRODUCT ADVANTAGES
- Personal injury included
- Dog liability included for most breeds
- Host liquor liability included
- Third-party water damage included
- Defense outside the limit
- Pre and post-judgment interest coverage
- Admitted and eligible for Direct Bill in CA, NC and SC
- Multiple additional insureds can be added at no additional premium
- No deductibles
- Web binding available
AVAILABLE LIMITS
- Up to $1,000,000 for all risks
- Personal injury included up to the liability limit
- $5,000 of medical payments included on all risks
MOST COMMON INELIGIBLE RISK CHARACTERISTICS
- Farms
- Houseboats
- Vacant homes not up for sale or undergoing renovations
- Locations leased to others for purposes of fishing, hunting or other recreational activities
- Dwellings used as a model home for new construction
- Student housing
- Assisted living or group home facilities except for assisted living apartments with
single occupancy or husband and wife - Vacant land with a dock
- Corporations that have activities outside of residential real estate investment
- Located in AK, LA or WV
NOTE: Ineligible risk characteristics include but are not limited to those listed above.
Business Resource Center, Provides centralized access to business solution vendors for all policyholders
-
- – Human resources services
- – Pre-employment and tenant screenings
- – Identity theft protection
- – Marketing resources
Call 1-888-875-1969 for an Instant Phone Quote
Excess Comprehensive Personal Liability
Eligible Risks
- Owners of 1-2 family dwellings, condo units and mobile homes that are owner-occupied or rented to others
- Tenants of multiple unit dwellings, condo units and mobile homes
- Secondary/seasonal dwellings and short term rentals (monthly, weekly, nightly)
- Eligible insureds include individuals, trusts, limited partnerships, family partnerships, limited liability corporations, estates, or corporations established for personal investment purposes
- Dwellings under construction or renovation where the applicant is not the general contractor
- Dwellings with swimming pools; unfenced swimming pools, pools with diving boards higher than four feet or waterslides can be written excluding these specific exposures
- Vacant dwellings
- Vacant land up to 250 acres
- Risks with up to one liability loss under $10,000 in the past three years
- Risks with up to 15 locations
- High profile individuals
Most Common Ineligible Risks
- Risks with underlying insurance on a commercial form
- Farms
- Houseboats
- Locations leased to others for purposes of fishing, hunting, or other recreational activities
- Dwellings used as a model home for new construction
- Student housing
- Assisted living or group home facilities except for assisted living apartments with single occupancy or husband and wife
- Vacant land with a dock
- Corporations that have activities outside of residential real estate investment
- Risks located in AK, LA, or WV
NOTE: Ineligible risk characteristics include but are not limited to those listed above.
Available Limits
Available up to:
- $5,000,000 available for most risks
- $1,000,000 when the underlying limits is $100,000
- $1,000,000 available in AL, CA, FL and MS
- Underlying limits for vacant dwellings must be at least $300,000
Business Resource Center, Provides centralized access to business solution vendors for all policyholders
-
- – Human resources services
- – Pre-employment and tenant screenings
- – Identity theft protection
- – Marketing resources