Excess Comprehensive Personal Liability - Personal Lines

This product targets applicants wanting to secure higher limits of liability than their primary carrier will provide.  It is also designed as a “buffer” layer to enable applicants to meet the minimum attachment point of any personal umbrella.

Hit Zone:

h	One to four family dwellings, owner or tenant occupied as well as seasonal/secondary dwellings
h	Coverage offered for condominium unit owners, mobile home owners, and tenants of multiple unit buildings
h	Dwellings under renovation or construction where the insured is not the general contractor
h	Individuals, Trusts, Estates, Limited Liability Corporations, Limited Partnerships, Family Partnerships, and Corporations may be written as a named insured
h	High profile individuals such as entertainers, professional athletes and musicians, etc.

Eligible Risks:

Includes all of the above characteristics except where amended below:

h	Short term rentals are acceptable
h	Prior liability losses or any open liability loss considered upon submission
h	Incidental in-home business activities considered when covered by underlying Homeowners or CPL policy
h	Vacant land is acceptable
h	Home daycare considered

Ineligible Risks:

h	Locations in Louisiana and West Virginia
h	Any residence with more than four dwelling units
h	Farm exposures
h	Unfenced or unprotected pools, pools with sliding boards or diving boards over four feet high may be declined or excluded
h	Underlying coverage on a Commercial General Liability Form

Product Advantages:

h	Follow Form Coverage
h	Can be used as a buffer layer or as a stand-alone policy
h	Ability to quote and bind up to $500,000 Combined Single Limit
h	A.M. Best rated A++ carrier

Minimum Attachment Points:

h	Underlying primary Comprehensive Personal Liability Policy or Homeowners Section II Coverage of at least $100,000
h	For short term rentals underlying limit must be at least $300,000

Available Limits:

h	Limits available up to $5,000,000

Required Application:

h	Our Excess Personal Liability Application
h	Our Homeowners Day Care Supplemental Application will be required where the exposure exists

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