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.

 

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; unfenced swimming pools or pools with diving boards higher than four feet or water slides 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

Quoting Options

Applications
Instant Phone Quote
Live Chat
Contact Personal Lines Dept.
Patricia Bobb
Assistant Account Executive

Phone: 866-417-4855 Ext. 6328
Emily Breazeale
Assistant Account Executive

Phone: 866-417-4855 Ext. 6259
Lauren Cain-Clark
Assistant Account Executive

Phone: 727-362-6111
Michael Carioti
Account Executive

Phone: 866-417-4855 Ext. 6342
Matthew Clegg
Assistant Account Executive

Phone: 866-417-4855 Ext. 6100
Danielle Dagostino
Assistant Account Executive

Phone: 866-417-4855 Ext. 6121
Morgan Domingue
Account Executive

Phone: 866-417-4855 Ext. 6282
Ladonica Fagg
Assistant Account Executive

Phone: 866-417-4855 Ext. 6261
Alex Fifelski
Assistant Account Executive

Phone: 727-362-6125
Mackenzie Harrington
Account Executive

Phone: 866-417-4855 Ext. 6262
Lazaro Hernandez
Assistant Account Executive

Phone: 727-362-6324
Sarah Hoyle
Assistant Account Executive

Phone: 866-417-4855 Ext. 2928
Richelle Ingram
Account Executive

Phone: 866-417-4855 Ext. 6320
Robert (Bob) Massarsky
Underwriter

Phone: 866-417-4855 Ext. 6302
Ethan Morris
Assistant Account Executive

Phone: 866-417-4855 Ext. 6062
Jackie Plank
Clerical Assistant

Phone: 866-417-4855 Ext. 6305
Courtney Rigg
Assistant Account Executive

Phone: 866-417-4855 Ext. 4969
John Rigg
Assistant Account Executive

Phone: 866-417-4855 Ext. 4906
Lisa Rowe
Account Executive Assistant

Phone: 866-417-4855 Ext. 6260
Twiggy San Julian
Assistant Underwriter

Phone: 866-417-4855 Ext. 6337
Paula Sanchez
Account Executive

Phone: 866-417-4855 Ext. 6313
David Stansel
Assistant Account Executive

Phone: 727-362-6114
Robyn Staton
Account Executive

Phone: 866-417-4855 Ext. 6323
Tracy Sturdevant
Assistant Account Executive

Phone: 727-322-4973
Ananka Willocks
Senior Account Executive

Phone: 866-417-4855 Ext. 6097
Rhonda Wilson
Assistant Account Executive

Phone: 727322-4964