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    Misc 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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    Builder’s Risk

    Product Advantages

    • 12 month policy available and will convert to homeowners at completion if project ends within policy term
    • Property coverage is limited to Coverage A
    • Optional coverage for Other Structures is available Coverage C Personal Property is available: restrictions apply
    • Optional Coverage: Theft of Building Materials, Builders Risk Extended Coverage
    • Premises Liability is available as an option
    • Available Nationwide

    Submission Requirements

    • Completed & signed Howeowner/Dwelling application AND Supplemental application.

    Excess Personal Auto

    Eligibility Criteria

    • Unlimited number of private passenger vehicles, pickups (one ton or less), motorhomes, sports cars, motorcycles, and antique automobiles
    • Underlying Business or Garage Auto is acceptable
    • Celebrity applicants such as entertainers, professional athletes and musicians
    • Per household, up to:
      • Five at-fault accidents
      • Ten violations
      • One DUI

    Ineligible Risks

    • Operators age 90 or older
    • Any risk with commercial vehicle types
    • Household individuals convicted of a felony in the past five years
    • More than two major violations in the household
    • Operator over age 22 with a DUI and lives in same household as a youthful operator
    • Risks in the state of AK, LA, or WV

    Available Limits

    • Limits up to $1,000,000 available

    Submission Requirements

    • United States Liability Insurance Group Personal Umbrella Application or an ACORD Personal Umbrella Application

    Home Based Business

    Eligibility Criteria

    • Business is operated out of the home and has up to:
      • One employee
      • $500,000 in gross annual receipts
      • No more than two losses in the past three years or one loss with less than $25,000 paid
    • New ventures
    • More than 50 classes of business

    Ineligible Risks

    • Risks outside of the eligible class list includes, but is not limited to:
      • Event planners
      • Computer consultants
      • Applicants involved with manufacture, installation or repair
      • Internet service providers
      • Landscapers/plant services
      • Teaching or tutoring for sports, industrial or martial arts
      • Personal shoppers
      • Errand services
      • Fine jewelry sales/repair
      • Massage therapists
      • Contractors
    • Prior felony conviction for any member of the household
    • Risks located in LA, WV, AK or HI

    Available Limits

    • Available up to:
      • $1,000,000/$2,000,000 for general liability
      • $100,000 for business personal property
      • $10,000 inside/$5,000 outside of premises for money and securities coverage
      • A maximum property limit of $100,000 for business income with extra expense
    • $25,000 included on most classes for errors & omissions
    • Equipment breakdown coverage included

    Submission Requirements

    • Completed & signed application