CPL Products
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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Comprehensive Personal Liability
Eligibility Criteria
- Owners of one, two, three and four family dwellings, condominium units, and mobile homes that are owner occupied or rented to others
- Seasonal/secondary dwellings and short -term rentals
- Tenants of multiple unit dwellings, condominium units, and mobile homes
- Dwellings may be either occupied by the insured or rented to others on annual terms
- Dwellings under renovation or construction where the insured is not the general contractor
- Insureds who are Individuals, Trusts, Estates, Limited Liability Corporations, Limited Partnerships and Family Partnerships and Corporations
- Dwellings with no business activities conducted on premises
Eligible Risks – Includes all of the above characteristics except where amended below
- Short term rentals
- Vacant land up to 250 acres
- Vacant dwellings that are currently for sale or undergoing renovations or construction where the applicant is not the general contractor
- Up to one liability loss under $10,000 within the past 3 years
- High profile applicants
- Dwellings with a business exposure including in-home daycares
- Applicant with active policies with United States Liability Insurance Group
- Dwellings with swimming pools; unfenced swimming pools or pools with diving boards higher than four feet or water slides can be written excluding these specific exposures
- Risks with up to 15 locations
Ineligible Risks
- Locations in AK, LA, or WV
- Individuals convicted of a felony
- Farm exposures
- Houseboats
- Dwellings under construction or renovation where the applicant is acting as the general contractor
- Vacant dwellings which are not for sale nor currently undergoing renovations or construction
- Locations leased to others for purpose of hunting, fishing, or other recreational activities
- Dwellings used as a model home for new construction
- Pools with sliding boards or diving boards over four feet high may be declined or excluded
- Student or subsidized housing
- Artists performing controversial lyrics
- NBA or NFL athletes in their rookie season
- Underlying coverage on a Commercial General Liability Form
- Vacant land with a dock
- Corporations that have activities outside of residential real estate investment
- Assisted living or group home facilities except for assisted living apartments with single occupancy or husband and wife
Available Limits
- Limits available up to $5,000,000
- Personal injury included up to the liability limit
- $5,000 medical payments included
Submission Requirements
- Completed and signed carrier application or ACORD application
Excess Comprehensive Personal Liability
Eligible Risks
- Owners of 1-4 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
- 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 and up to 15 locations
Ineligible Risks
- Risks with underlying insurance on a commercial form
- Farms
- Individuals convicted of a felony
- Houseboats
- Locations leased to others for purposes of fishing, hunting, or other recreational activities
- Student or subsidized 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
- Artists performing controversial lyrics
- Risks located in AK, LA, or WV
Available Limits
Available up to:
- $5,000,000 available for most risks
- $1,000,000 when the underlying limits is $100,000 or if it is a short-term rental
- $1,000,000 available in AL and MS
- Underlying limits for vacant dwellings must be at least $300,000
Submission Requirements
- Completed & signed application