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ABOUT THIS COVERAGE:
- Financial stability of a carrier rated A++ by A.M. Best
- Available on an admitted and non-admitted basis
EXCESS COMPREHENSIVE PERSONAL LIABILITY:
Enables applicants to increase their primary limits or meet the minimum point of attachment of their personal umbrella. Now available for short-term rentals, LLC’s and corporations.
EXCESS PERSONAL AUTO LIABILITY:
This product attaches at a minimum underlying limit of $250,000/$500,000/$100,000 and enables applicants to increase their primary limits or meet the minimum point of attachment of their personal umbrella.
EXCESS PERSONAL UMBRELLA:
Available for applicants who desire higher limits than their primary umbrella carrier will provide.
We write unsupported umbrella policies for the broadest range of applicants in the marketplace today. We offer coverage for preferred, standard or high risk households, as well as high profile individuals and farm and ranch owners. The product has no self insured retention and a broad definition of bodily injury, which includes mental injury, mental anguish, humiliation and shock. We offer optional excess UM/UIM in all states and offer the stability of an A++ rated company. Trusts, LLC’s, LLP’s, LP’s and estates are now eligible applicant types.
- Preferred and Standard Applicants: Minimum premiums can be as low as $160 and minimum attachment points can be as low as $250,000/$500,000 or $300,000 C.S.L. limits of $10,000,000 are offered for any preferred account ($5,000,000 in FL, $1,000,000 in AL, MS, NH, VT). The product can be written admitted in most states.
- High-Risk Applicants: We write households with problem driving records including multiple convictions, fault losses and DUI’s as well as accounts with elderly drivers (90+), open claims or previous losses with significant payments made.
- High Profile Applicants: We write high profile applicants such as politicians, entertainers and professional athletes. Personal injury coverage is available.
- Farm and Ranch Owners Product: Our product is designed for family and gentleman farms where underlying farm liability is provided in a Personal Lines form.
PRIMARY COMPREHENSIVE PERSONAL LIABILITY:
Our monoline product is designed to fill the void where a standard homeowner’s policy is hard to find. We offer a broad coverage appetite including individuals, LLC’s, trusts, estates, corporations and limited or family partnerships. Available for one to four-family owner and tenant occupied dwellings as well as vacant land. Short-term rentals that are weekly or monthly are eligible.
RESIDENTIAL CHILD CARE:
We provide comprehensive coverage for residential child care centers. Our superior coverage automatically includes professional liability as well as medical payments that includes children enrolled in the center for no additional charge. Employees are considered insureds for defense cost reimbursement coverage, as well as abuse and molestation coverage on most centers.
State Availability: National