Our Personal Lines Department focuses on specialty products that enable our customers to find unique solutions for their home and auto insureds. We have developed products to meet niche needs not covered by a home or auto policy. We provide multiple quoting options including online quoting, phone quoting and in by 2 out by 5 quoting for all in house submissions.
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. We offer limits up to $10 million for preferred risks and $5 million for standard risks with no limitations on the number of autos boats, RV’s or operators. Can be direct billed at new business or renewal.
We consider applicants with underage drivers, older drivers, poor driving records (including DUI's) and larger watercraft. Our high risk umbrella is written admitted in most states and can be direct billed at new business or renewal.
We write high profile applicants such as politicians, entertainers and professional athletes. Personal Injury coverage is available. Our high profile umbrella is written admitted in most states and can be direct billed at new business or renewal.
Personal Umbrella for Farm/Ranch Owners:
Our product is specifically tailored to meet the unique needs of farm and ranch owners. We can provide coverage for farms with up to 2,000 acres over an unlimited number of locations, 250 head of graving animals and/or livestock and earning $1,000,000 or less in revenue. Farm land leased to others is acceptable.
Excess Personal Umbrella:
Available for applicants who desire higher limits than their primary umbrella carrier will provide. Our underwriting appetite is identical to our primary umbrella. This product is written non-admitted.
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 capable of 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 $250,000/$500,000/$100,000.
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, Limited or Family Partnerships and Corporations. 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:
Available for owners/tenants of 1-4 family dwellings, condo units, mobile homes, and apartment buildings. Also, enables applicants to increase their primary limits or meet the minimum point of attachment of their Personal Umbrella. Now available for vacant dwellings, short-term rentals, LLC’s and corporations. We can accommodate owners of up to 15 rental properties.
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 $1,000,000 TIV and Liability limits up to $1 million are available. We can include up to 10 locations on one policy. This product is available in all states except AL, AK, CA, FL, HI, KY, TN, LA, MS and WV.
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. Our Home Based Business product is written admitted in most states and can be direct billed at new business or renewal.