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.
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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