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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

    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

    Call 1-888-875-1969 for an Instant Phone Quote