Our Personal Lines Department focuses on specialty products that enable our customers to find unique solutions for their home and auto insureds. Product highlights include standalone Personal Umbrella, Comprehensive Personal Liability, Dwelling Package, Condominium Unit Owners, Home Based Business Owners and Special Events.
Our Personal Umbrella Products are easy to use and come with the stability of an A++ rated company. The product has no self insured retention and a broad definition of Bodily Injury which includes mental injury, mental anguish, humiliation and shock. We also offer excess Uninsured/Underinsured motorist coverage in all states.
Preferred & Standard Applicants:
With minimum premiums as low as $160 and minimum attachment requirements of $250,000/$500,000 or $300,000 CSL, preferred or standard risks can be written admitted in most states. Limits up to $10 million and no limitations on the number of autos boats, RV’s or operators. Can be direct billed at new business or renewal.
We write applicants with underage drivers, older drivers, poor driving records (including DUI's) and larger watercraft.
We write high profile applicants such as politicians, entertainers and professional athletes. Personal Injury coverage is available.
Special Farm/Ranch Owners Product:
We can add individually owned farm exposures to our personal umbrella. Farm family partnerships may be added as additional insureds.
Excess Personal Umbrella:
Available for applicants who desire higher limits than their primary umbrella carrier will provide.
Excess Personal Auto Liability:
Attaching at a minimum underlying limit of $100,000/$300,000/$50,000, this product enables applicants to increase their primary limits or meet the minimum point of attachment of their Personal Umbrella.
Excess Watercraft and Personal Watercraft Buffer:
Our product enables owners of watercraft up to 75 feet in length and 50 MPH to build their primary limits or to meet the minimum point of attachment of their Personal Umbrella. The minimum underlying limit requirement is 100,000/$300,000/$50,000.
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, Limited Liability Corporations (LLC's), Trusts, Estates, and Limited or Family Partnerships. Available for one to four family owner & tenant occupied dwellings as well as vacant land. Short-term rentals that are weekly or monthly are eligible. This product offers efficient online capabilities.
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.
1-4 Family Dwelling Product:
Designed for two to four family owner occupied and one to four family tenant occupied dwellings. Our product is available on either a DP-1 Basic Form or DP-3 Special Form. Section II Liability Supplement is optional. Dwelling limits up to $600,000 and Liability limits up to $1 million are available. Coastal exposures are eligible. Available in all states except AL, AK, CA, FL, HI, KY, TN, LA, MS and WV. This product offers efficient online capabilities.
Condominium Unit Owners Product:
Available for owner occupied, tenant-occupied or rented units, our HO-6 product is available with content limits up to $200,000 and liability limits up to $1,000,000. Available in all states except AL, AK, CA, FL, LA, HI, KY, MS, WV. Short-term rentals that are weekly or monthly are eligible.
Home Based Business:
This package is designed for home based businesses with up to $500,000 in Gross Annual Sales and one employee. Business Personal Property limits up to $100,000 and liability limits up to $1,000,000 are available. Business income with extra expense coverage up to the actual loss exposure is also available. Equipment breakdown coverage up to $100,000 is included for all classes and Professional Errors & Omissions sublimit of $25,000 is available to select classes. There are more than 150 eligible classes. This product offers efficient online capabilities.