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    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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    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; unfences 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

    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

    Comprehensive Personal Liability – Vacant Land

    Eligibility Criteria

    • Insureds who are Individuals, Trusts, Estates, Limited Liability Corporations, Limited Partnerships and Family Partnerships and Corporations
    • Risks with no liability losses within the past five years

    Eligible Risks – Includes all of the above characteristics except where amended below

    • Vacant land up to 250 acres
    • High profile applicants
    • Applicant with active policies with United States Liability Insurance Group

    Ineligible Risks

    • Locations in Louisiana and West Virginia
    • Farm exposures
    • Individuals convicted of a felony
    • Locations leased to others for purpose of hunting, fishing, or other recreational activities
    • Underlying coverage on a Commercial General Liability Form

    Available Limits

    • Limits available up to $5,000,000

    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