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Carrier Financial Strength Rating

• A.M. Best: A (Excellent)

Ineligible States

• AK, HI, IL, KY, NY

Minimum Premium

• $350

Notable Features

• Residential 1-4 Unit Dwellings and Commercial Buildings coverage available
• All flood zones eligible
• Other Structures coverage available
• Personal Property coverage in basement available
• Loss of Use coverage available
• No Elevation Certificate required
• Replacement cost valuation for building and contents

Capacity

Residential 1-4 Unit Dwellings:

• Replacement cost values up to $3.75M
• Primary Flood risk limits up to $2.25M TIV
• Excess Flood risk limits up to $3.5M TIV

Commercial Buildings or Improvements and Betterments:

• Replacement cost values up to $4M
• Primary Flood risk limits up to $2.5M TIV
• Excess Flood risk limits up to $3.5M TIV

Exclusion Criteria

• Any risk partially or entirely over water
• Any risk with prior flood losses at the risk location
• Any risk with asbestos construction type
• Any risk that is a mobile/manufactured home or boat house
• Any risk located in a CBRA/OPA or Flood Way area

Insurance is provided by the underwriting company(s) issuing the policy. All products may not be available in all states. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance and admitted insurance is sold in compliance with all licensing requirements at time of sale.

Carrier Financial Strength Rating

• A.M. Best: A (Excellent)

Ineligible States

• NY, IL, KY, WV

Minimum Premium

• $500

Potential Policy Limits

• 100K/200K
• 500K/1Million
• 1Million/2Million

Notable Features

• Up to three classes on one policy with multiple locations
• More than 45 classes available, including: Restaurants, clubs, bank/office, shopping centers, markets, warehouses, office buildings, contractors, painting, truckers, caterers and more
• Maximum premium of $7,500, with no inspections needed

Exclusion Criteria

• No General Liability losses > $25,000, and cannot have two or more General Liability losses in the past three years that would give rise to a claim
• Assault and battery coverage availability is pre-determined based on classes selected (selecting one excluded class excludes coverage for whole policy)
• Applicant can’t have more than three different classes to be added to the policy
• Insurance cannot have been cancelled, or is being nonrenewed, for an increase in hazard or non-compliance with underwriting requirements

Acceptable Entity Type

• Individual
• Corporation
• Partnership
• Joint Venture
• Trust
• Limited Liability Company

Potential Products Completed Ops Limit

• Included in General Aggregate
• $200,000
• $500,000
• $1,000,000
• $2,000,000

Potential Pers Adv Injury Limit

• $100,000
• $300,000
• $500,000
• $1,000,000
• Excluded

Potential Damage To Premises Limit

• $100,000
• $200,000
• $300,000
• Excluded

Potential Medical Expense Limit

• $5,000
• $10,000
• Excluded

Potential Deductible Amount

• $500
• $1,000

Potential Contractual Liability Limitation

• No
• Yes

Potential Deductible Type

• Bodily Injury
• Property Damage
• Bodily Injury and Property Damage

Potential Deductible Basis

• Per Occurrence

Insurance is provided by the underwriting company(s) issuing the policy. All products may not be available in all states. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance and admitted insurance is sold in compliance with all licensing requirements at time of sale.

Carrier Financial Strength Rating

• A.M. Best: A (Excellent)

Ineligible States

• KY, LA, NY

Minimum Premium

• No Set Minimum Premium

Policy Liability Limit Options

• $1,000,000
• $2,000,000
• $3,000,000
• $4,000,000
• $5,000,000

Notable Features

• Rates are competitive with standard market bundled coverage
• Limits up to $5M
• Multiple residences and vehicles are eligible
• Uninsured and Underinsured motorist coverage limits up to $1M

Admitted/Non-Admitted States

• Admitted coverage may* be offered in: AZ, CA, CO, FL, GA, IL, MA, NC, NJ, OH, PA, TX

*Coverage provider will determine based on individual risk profile

• Non-Admitted coverage offered in all eligible states where Admitted is not available

Exclusion Criteria

• No open claims or pending litigation
• No closed claims exceeding $25,000 in past five years
• Cannot be high profile individual

Driver Acceptance Criteria

• Can have no major violations.
• If between 16-20 years old, can have a maximum of one minor violation and zero at-fault accidents.
• If between 21-69 years old, can have a maximum of 1 minor violation OR 1 at-fault accident, but not both.
• Cannot be over 79 years old.

Insurance is provided by the underwriting company(s) issuing the policy. All products may not be available in all states. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance and admitted insurance is sold in compliance with all licensing requirements at time of sale.

• A.M. Best: A (Excellent)

Ineligible States

• AK, AZ, CA, CO, HI, ID, IL, KY, MT, NV, NM, NY, OR, UT, WA, WY

Minimum Premium

• $100

Popular Item Categories (more available)

• Furs
• Jewelry
• Fine Arts
• Electronics
• Collections

Notable Features

• No appraisals required
• Total schedule up to $750,000
• Scheduled personal property only (no blanket coverage)
• Reimbursement available at up to 150% of replacement cost
• All risks include wind/quake/flood

AOP Deductible Options

• $0
• $2,500
• $10,000
• $25,000
• $50,000

Acceptable Residence Types

• Condo
• Home
• Renter

Potential Safety Feature Credits

• Central Alarm
• Residence Safe

Exclusion Criteria

• Cannot be written in the name of LLC or estate
• Cannot have more than one scheduled property loss or a single scheduled property loss over $10,000
• No high profile individuals (celebrities, rappers, “First contract” sports stars, etc.) – defined on platform
• No single item above $50,000 ($49,999 for jewelry)

Insurance is provided by the underwriting company(s) issuing the policy. All products may not be available in all states. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance and admitted insurance is sold in compliance with all licensing requirements at time of sale.