Preferred Personal Umbrella Personal Lines

Transcription

1 Preferred Personal Umbrella Personal Lines This product targets households without youthful drivers that have clean driving records. The HIT ZONE Our highest hit ratio Violation and accident free in the past three years Operators between age 23 and age 75 Up to four motor vehicles (including motorcycles and motorhomes) As many as two personal watercraft or boats up to 25 feet in length As many as two 1 to 4 family residences As many as two recreational vehicles ELIGIBLE RISKS Includes all of the above characteristics except where amended below Underlying Business Auto or Garage Coverage is acceptable Two violations per household INELIGIBLE RISKS Any risk where the named insured is other than an individual or husband and wife Underlying Coverage written on a Commercial General Liability Form except for Business Auto Applicants with the primary residence in Louisiana, West Virginia or outside the United States Watercraft in excess of 75 feet or capable of speeds in excess of 50 mph PU PREFERRED HITZ 1/06

2 Preferred Personal Umbrella Personal Lines PRODUCT ADVANTAGES Admitted Product may be available (see your detailed binding authority guide for availability by State and specific underwriting criteria) True Umbrella coverage No Self Insured Retention Worldwide coverage Broad Definition of Bodily Injury Personal Injury Protection automatically included when provided by underlying coverage First Dollar coverage for non-owned watercraft and recreational vehicles A.M. Best rated A++ carrier Fast and Easy access to quote, bind and issue on our website MINIMUM ATTACHMENT POINTS $300,000 Combined Single Limit (CSL) for Homeowners or Personal Liability exposures $250,000/$500,000/$100,000 or $300,000 CSL for all underlying automobile, recreational vehicle and watercraft exposures AVAILABLE LIMITS Coverage A Limits up to $ 5,000,000 or $10,000,000 Coverage B Excess UM at $1,000,000 CSL or in an amount matching the underlying auto limit up to $1,000,000 CSL or $1,000,000/ $1,000,000 split limits REQUIRED INFORMATION PCL App, an ACORD Personal Umbrella Application, or other Company Personal Umbrella Application containing at least the same information as in our application is mandatory Complete details and payment amounts for all loss activity in the past three (3) years Motor vehicle records will be required at binding for all operators Operators age an Acord Medical Statement

3 Standard/Personal Umbrella - Personal Lines This product targets households that do not qualify for our preferred product but overall are considered standard risks. The HIT ZONE Our highest hit ratio Up to four (4) violations and up to one accident per household in the past three years Drivers between ages of 23 and 75 Unlimited number of 1 to 4 family additional residences Unlimited number of vehicles (including motorcycles and motorhomes), recreational vehicles, boats and jet skis Watercraft up to 25 feet in length ELIGIBLE RISKS Includes all of the above characteristics except where amended below Underlying Business Auto or Garage coverage is acceptable Drivers up to age 89 Drivers under age 23 One boat between feet INELIGIBLE RISKS Please consult our product guidelines for a complete list of eligibility regarding potential exposures and services provided. Any risk where the named insured is other than an individual or husband and wife Underlying Coverage written on a Commercial General Liability Form except for Business Auto Watercraft in excess of 50 feet or capable of speeds in excess of 50 mph Applicants with primary residence in Louisiana, West Virginia or outside the United States PU HITZ 12/05

4 Standard/Personal Umbrella - Personal Lines PRODUCT ADVANTAGES Admitted Product may be available (see your detailed binding authority guide for availability by State and specific underwriting criteria) True Umbrella Coverage No self insured retention Worldwide Coverage Broad Definition of Bodily Injury Personal Injury Protection automatically included when provided by underlying coverage First Dollar coverage for non-owned watercraft and recreational vehicles A.M. Best rated A++ carrier Fast and Easy access to quote, bind and issue on our website MINIMUM ATTACHMENT POINTS $300,000 combined single limit (CSL) for Homeowners or Personal Liability exposures $250,000/$500,000/$100,000 or $300,000 CSL for all underlying automobile, recreational vehicle and watercraft exposures $500,000/$500,000/$100,000 or $500,000 CSL Automobile exposures for accounts with operators under age 23 or operators age Watercraft feet AVAILABLE LIMITS Coverage A Limits up to $10,000,000 Coverage A Limits up to $5,000,000 for accounts with a driver under 23 or age Coverage B Excess UM at $1,000,000 CSL or in an amount matching the underlying auto limit up to $1,000,000 CSL or $1,000,000/ $1,000,000 split limits REQUIRED INFORMATION PCL App, an ACORD Personal Umbrella Application, or other Company Personal Umbrella Application containing at least the same information as in our application is mandatory Complete details and payment amounts for all loss activity in the past three (3) years Motor vehicle records will be required at binding for all operators Operators age 70-75, an Acord medical statement certifying their own driving ability For any operator over the age of 75, a physician must complete a physicians statement of driver fitness.

5 Personal Umbrella for Celebrity Applicants Personal Lines This product targets nationally recognizable individuals, such as: The HIT ZONE Our highest hit ratio Professional Athletes and Coaches CEO s of Fortune 500 Companies Popular Musicians Individuals in the Entertainment Industry, including Actors and Actresses, Producers, Directors, and Television and Radio Personalities ELIGIBLE RISKS Includes all of the above characteristics except where amended below Risks with multiple at fault accidents or violations Individuals with one Drug and/or Alcohol related conviction Watercraft between 26 and 75ft or in excess of 300 HP INELIGIBLE RISKS Any risk where the named insured is in a Trust, Estate, Limited Partnership, Family Partnership, LLC, or Corporation Individuals with a primary residence in Louisiana, West Virginia or outside the United States Underlying Coverage written on a Commercial General Liability Form except for Business Auto Watercraft in excess of 75ft or watercraft capable of speeds in excess of 50mph PU CELEB HITZ 3/06

6 Personal Umbrella for Celebrity Applicants Personal Lines PRODUCT ADVANTAGES True Worldwide coverage No Self Insured Retention Worldwide coverage Personal Injury Coverage is automatically included when provided by underlying coverage First Dollar coverage for non-owned watercraft and recreational vehicles A.M. Best rated A++ carrier MINIMUM ATTACHMENT POINTS $500,000 combined single limit (CSL) for Homeowners or CPL exposures 500,000/500,000/100,000 or $500,000 CSL is required for auto, recreational vehicle and watercraft exposures AVAILABLE LIMITS Coverage A Limits up to $10,000,000 Coverage B Excess UM up to $1,000,000 combined single limit or $1,000,000/$1,000,000 split limits or in an amount matching the underlying auto limit up to $1,000,000 combined single limit or $1,000,000/$1,000,000 split limits REQUIRED INFORMATION Our PCL App, an ACORD Personal Umbrella Application, or other Company Personal Umbrella Application containing at least the same information as in our application is mandatory Motor vehicle records will be required at binding for all operators in the household Operators age an ACORD medical statement For any operator over the age of 75, a physician must complete a physicians statement of driver fitness

7 Personal Umbrella for High Risk Drivers Personal Lines This product targets households that are normally placed in the non-standard auto market. The HIT ZONE Our highest hit ratio Operators with up to three violations and/or two accidents Operators of all ages Unlimited number of vehicles (including motorcycles and motorhomes) recreational vehicles, boats and personal watercraft Unlimited number of 1 to 4 family additional residences ELIGIBLE RISKS Includes all of the above characteristics except where amended below Underlying Business Auto or Garage Coverage is acceptable Watercraft up to 75 feet in length Three violations or two accidents for operators under 23 or over 75 As many as four violations per operator, as many as ten per household for operators between the ages of 23 and 75 As many as three accidents per operator, five per household for operators between the ages of 23 and 75 No more than two drug and/or alcohol related offenses per household Unlimited number of operators age 90 or older INELIGIBLE RISKS Any risk where the named insured is other than an individual or husband or wife Underlying Coverage written on a Commercial General Liability Form except for Business Auto Individuals with more than one Drug or Alcohol conviction Applicants with primary residence in Louisiana, West Virginia or outside the United States Watercraft in excess of 75 feet or watercraft capable of speeds in excess of 50mph PU HIGH RISK HITZ 1/06

8 Personal Umbrella for High Risk Drivers Personal Lines PRODUCT ADVANTAGES True Umbrella Coverage No self insured retention Worldwide Coverage Broad Definition of Bodily Injury Personal Injury Protection automatically included when provided by underlying coverage First Dollar coverage for non-owned watercraft and recreational vehicles A.M. Best rated A++ carrier Fast and Easy access to quote this product on our website MINIMUM ATTACHMENT POINTS $300,000 combined single limit (CSL) for Homeowners or Personal Liability exposures $500,000/$500,000/$100,000 or $500,000 CSL Automobile exposures for operators under age 23 or age Watercraft feet All Watercraft if there is a drug and/or alcohol related offense in the household $1,000,000/$1,000,000/$100,000 or $1,000,000 CSL Operators in the household 90 or older Watercraft feet AVAILABLE LIMITS Coverage A Limits up to $5,000,000 Coverage B Excess UM at $1,000,000 CSL or in an amount matching the underlying auto limit up to $1,000,000 CSL or $1,000,000/ $1,000,000 split limits REQUIRED INFORMATION Our PCL App, an ACORD Personal Umbrella Application, or other Company Personal Umbrella Application containing at least the same information as in our application is mandatory Complete details and payment amounts for all loss activity in the past three (3) years Motor vehicle records will be required at binding for all operators Operators age an Acord medical statement certifying their driving For any operator over the age of 75, a physician must complete a physicians statement of driver fitness

9 Personal Umbrella for Farm/Ranch Owners Personal Lines This product targets family owned and operated farms, as well as farms leased to others. The HIT ZONE Our highest hit ratio Farm Revenues up to $1,000,000 Farm locations leased to others Underlying Coverage on a Farmowners or equivalent form No limitation on acreage ELIGIBLE RISKS Includes all of the above characteristics except where amended below Limited Family Partnerships as an additional insured INELIGIBLE RISKS Any risk where the named insured is other than an individual or husband and wife Individuals with a primary residence in Louisiana, West Virginia or outside the United States Underlying coverage written on a Commercial General Liability form Watercraft in excess of 75ft or watercraft capable of speeds in excess of 50mph Farms with processing or slaughtering exposures Farms with equine exposures PU FARM/RANCH HITZ 3/06

10 Personal Umbrella for Farm/Ranch Owners Personal Lines PRODUCT ADVANTAGES True Umbrella Coverage Automatically Includes Personal Injury Protection when covered by underlying insurance Coverage for Farm Vehicles A.M. Best rated A++ carrier MINIMUM ATTACHMENT POINTS $500,000 Combined Single Limit (CSL) for Farmowners and Personal Liability Exposures $500/500/100 or 500,000 CSL for Auto Exposures $250,000/500,000/100,000 or $300,000 CSL for all other exposures AVAILABLE LIMITS Coverage A Limits up to $5,000,000 or $10,000,000 Coverage B Excess UM up to $1,000,000 CSL or $1,000,000/$1,000,000 split limits REQUIRED INFORMATION Our PCL App, an ACORD Personal Umbrella Application, or other Company Personal Umbrella Application containing at least the same information as in our application is mandatory Our Farm Personal Catastrophe Excess Supplemental Application Motor vehicle records will be required at binding for all operators in the household

11 Excess Personal Umbrella Product Personal Lines This product is designed for those applicants who have a primary personal umbrella policy with another company and desire higher limits. Please note that All Risks for the Excess Personal Umbrella must be submitted to the Home Office. The HIT ZONE Our highest hit ratio If the risk fits our Primary Umbrella appetite, it is eligible for this Product Named insured can be either an individual, individuals or husband and wife Can be Celebrity such as professional sports figure, actor, actress, musician, etc. Unlimited number of operators under age 23 and operators over age 69 Unlimited number of vehicles, motorcycles, recreational vehicles, boats, jet skis are acceptable Unlimited number of 1 to 4 family additional residences ELIGIBLE RISKS Includes all of the above characteristics except where amended below Individuals with one drug or alcohol related offense Coverage available for boats up to 75ft in length and speeds up to 50mph Risks with up to five accidents in the household Drivers with up to 4 violations Households with up to 10 violations Risks with Farm or Ranch locations INELIGIBLE RISKS Individuals with a primary residence in Louisiana, West Virginia or outside the United States Any risk where the named insured is in a Trust, Estate, Limited Partnership, Family Partnership, LLC or Corporation Watercraft in excess of 75ft or watercraft capable of speeds in excess of 50mph Individuals with more than one Drug or Alcohol Conviction Attachment points above $50,000,000 EPU HITZ 9/05

12 Excess Personal Umbrella Product Personal Lines PRODUCT ADVANTAGES Follow Form Coverage Automatically includes Personal Injury Coverage when provided by underlying form A.M. Best rated A++ carrier MINIMUM ATTACHMENT POINTS Underlying Personal Umbrella Limit of $1,000,000 AVAILABLE LIMITS Limits available up to $10,000,000 Limits available up to $5,000,000 for risks with drug and/or alcohol related offenses REQUIRED INFORMATION Our Personal Umbrella Application or PCL App, an ACORD Personal Umbrella Application, or other Company Personal Umbrella Application containing at least the same information as in our application is mandatory Our Farm Personal Catastrophe Excess Supplemental Application will be required if this exposure exists Motor vehicle records will be required at binding for all operators age an ACORD medical statement For any operator over the age of 75, a physician must complete a physicians statement of driver fitness

13 Comprehensive Personal Liability Product Personal Lines This product targets applicants for stand-alone personal liability coverage for up to seven (7) locations The HIT ZONE Our highest hit ratio One and two family dwellings owner or tenant occupied (on a long term basis) Individuals may be written as named insureds who are not celebrities The named insured can be a Trust, Limited or Family Partnership, Limited Liability Corporation (LLC), or an Estate No business activities conducted on premises No liability losses within the past five (5) years ELIGIBLE RISKS Includes all of the above characteristics except where amended below: Prior liability losses considered upon submission Dwellings under renovation or construction where the insured is not the general contractor One to four family dwellings owner or tenant occupied including seasonal or secondary dwellings Coverage offered for condominium unit owners, mobile home owners and tenants of multiple unit buildings Coverage for a vacant dwelling The named insured is a celebrity - such as an entertainer, professional musician or professional athlete There is an incidental home office or a child daycare on premises Coverage for up to seven (7) locations owner or tenant occupied Coverage for stand-alone vacant land INELIGIBLE RISKS Locations in Louisiana and West Virginia Any residence with more than four (4) dwelling units Farm exposures Incidental Office Occupancy coverage for Computer Consultants or occupations with manufacturing, repair, food preparation or other industrial or retail processes Secondary/seasonal locations rented to others on a weekly or monthly basis If a business or day care exposure is covered by a carrier other than United States Liability Insurance Group Risks written in the name of a Corporation Houseboats, even if permanently moored If a vacant dwelling is neither currently for sale nor currently undergoing renovations/construction 8/06

14 Comprehensive Personal Liability Product Personal Lines PRODUCT ADVANTAGES Personal Injury included in basic policy A.M. Best rated A++ carrier Fast and easy access to quote and bind this product on our website AVAILABLE LIMITS Up to $5,000 Medical Payments Coverage available Limits of liability up to $1,000,000 REQUIRED APPLICATION Our Comprehensive Personal Liability (CPL) Application or an ACORD Homeowners Application For any home day care exposure we require our Homeowners Day Care Supplemental Application prior to quoting 8/06

15 Excess Comprehensive Personal Liability Product 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. The HIT ZONE Our highest hit ratio One to four family dwellings, owner or tenant occupied as well as seasonal/secondary dwellings Coverage offered for condominium unit owners, mobile home owners, and tenants of multiple unit buildings Dwellings under renovation or construction where the insured is not the general contractor Individuals, Trusts, Estates, Limited Liability Corporations, Limited Partnerships, Family Partnerships, and Corporations may be written as a named insured High profile individuals such as entertainers, professional athletes and musicians, etc. ELIGIBLE RISKS Includes all of the above characteristics except where amended below Short term rentals are acceptable Prior liability losses or any open liability loss considered upon submission Incidental in-home business activities considered when covered by underlying Homeowners or CPL policy Vacant land is acceptable Home daycare considered INELIGIBLE RISKS Locations in Louisiana and West Virginia Any residence with more than four dwelling units Farm exposures Unfenced or unprotected pools, pools with sliding boards or diving boards over four feet high may be declined or excluded Underlying coverage on a Commercial General Liability Form ECPL HITZ 6/06

16 Excess Comprehensive Personal Liability Product Personal Lines PRODUCT ADVANTAGES Follow Form Coverage Can be used as a buffer layer or as a stand-alone policy Ability to quote and bind up to $500,000 Combined Single Limit A.M. Best rated A++ carrier MINIMUM ATTACHMENT POINTS Underlying primary Comprehensive Personal Liability Policy or Homeowners Section II Coverage of at least $100,000 For short term rentals underlying limit must be at least $300,000 AVAILABLE LIMITS Limits available up to $5,000,000 REQUIRED APPLICATION Our Excess Personal Liability Application Our Homeowners Day Care Supplemental Application will be required where the exposure exists

17 Excess Personal Auto Product Personal Lines This product enables applicants to secure higher limits of liability than their primary carrier will provide. It is also designed as a buffer layer for applicants to meet the minimum attachment point of any personal umbrella product. The HIT ZONE Our highest hit ratio Unlimited youthful operators Private Passenger vehicles, pickups (1 ton or less) motor homes, sports cars, motorcycles and antiques acceptable Underlying Business or Garage Auto is acceptable Celebrity applicants such as entertainers, professional athletes and musicians, etc. Underlying Named Non-Owner policy is acceptable ELIGIBLE RISKS Includes all of the above characteristics except where amended below Risks with up to five at fault accidents in the household Risks with up to ten violations in the household Driver with a single Drug or Alcohol related conviction INELIGIBLE RISKS Risks in the state of Louisiana and West Virginia Operators age 90 or older Any risk with commercial vehicle types Any operator with more than one Drug or Alcohol Conviction EPA HITZ 3/06

18 Excess Personal Auto Product Personal Lines PRODUCT ADVANTAGES Follow Form Coverage Can be used as a buffer layer or as a standalone policy Not all vehicles in the household need to be included a specified auto endorsement is available A.M. Best rated A++ carrier MINIMUM ATTACHMENT POINTS Minimum attachment point is 100,000/300,000/50,000 (100/300/30 in Hawaii) or $300,000 combined single limit (CSL) AVAILABLE LIMITS Limits up to $ 1,000,000 available REQUIRED INFORMATION Our Excess Personal Liability Application or an ACORD Personal Auto Application is mandatory Motor vehicle records will be required for all operators on all submissions Operators age an Acord Medical Statement For any operator over the age of 75, a physician must complete a physicians statement of driver fitness

19 Excess Personal Watercraft Personal Lines Our Excess Watercraft product enables owners of watercraft to secure higher limits of liability than their primary carrier will provide. Our product is also available as a buffer layer for applicants who require higher limits in order to meet the minimum point of attachment to qualify for any Personal Umbrella Product. All Excess Watercraft Risks must be submitted to the Home Office. The HIT ZONE Our highest hit ratio Watercraft up to 50 feet in length Watercraft with speeds up to 50mph Unlimited youthful operators Inboards, Outboards, In/Out Drives, Sail Boats, Jet Skis are all eligible Can be high profile-entertainer, professional sports figure, or politician ELIGIBLE RISKS Includes all of the above characteristics except where amended below Corporate ownership of watercraft is eligible providing use is solely for private recreational use of the owner/partner of the corporation Risks with up to five accidents Operators with up to five violations or a major violation Operators with a single Drug or Alcohol related offense Watercraft up to 75 feet in length INELIGIBLE RISKS Risks in the states of Louisiana, Alaska or West Virginia Watercraft that are more than 75ft in length Watercraft used in races, speed contests or other forms of competition Watercraft used for business or used to transport people or property for a fee Watercraft that is chartered Amphibious craft, Airboats, Hydrofoils, Hydroplanes, Iceboats, Kit boats or any Homemade Vessels Watercraft that travel in excess of 50mph EPW HITZ 2/06

20 Excess Personal Watercraft Personal Lines PRODUCT ADVANTAGES Follow Form Coverage Can be used as a buffer layer or as a standalone policy A.M. Best rated A++ carrier MINIMUM ATTACHMENT Our minimum point of attachment is 100,000/300,000/25,000 for Jet Skis and 100,000/300,000/50,000 for all other boats up to 26ft For Boat Lengths of 26ft to 50ft the minimum point of attachment is 250,000/500,000/100,000 or $300,000 combined single limit (CSL) Boat Lengths 50ft to 75ft the minimum point of attachment is 1,000,000 CSL AVAILABLE LIMITS Excess limits up to $5,000,000 are considered upon submission REQUIRED APPLICATION Our Excess Personal Liability Application Motor vehicle records will be required for all operators