Provides broadened coverage and higher limits for catastrophic liability claims. In many case, professionals and business insureds are primary targets for large settlements and are especially interested in this type of extra insurance protection. May also be referred to as Excess Liability.

Provides coverage for the watercraft identified in the declarations and may include coverage for permanently attached equipment, motors, trailer, portable equipment and accessories.

Provides coverage similar to the Personal Automobile for the ownership and operation of motorcycles and All-Terrain Vehicles. Types of vehicles eligible may include cruisers, street sport, high performance, touring, motocross, mopeds, scooters and Off Road/All-Terrain Vehicles.

Auto Insurance provides protection from losses resulting from owning and operating an auto. The insurance covers losses to the insured’s property and losses for which the insured is liable as a result of owning or operating an auto.

Provides coverage similar to the Personal Automobile policy for the ownership and operation of vehicles, such as motor homes, motor coaches and camper vans.

Builders Risk is a special type of property insurance which indemnifies against damage to buildings while they are under construction.Builder’s Risk insurance is coverage that protects an insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.

Buildings are subject to many different risks while under construction. They may catch fire, be damaged by high winds, or fall victim to other force majeure. A principle of common law is that any new construction or other improvement to land becomes property of the owner of the land – the title holder – once there has been an “improvement” to the owner’s site. The general contractor may be responsible for any losses caused by his own negligence, but the owner is responsible for most other losses. Builder’s risk insurance indemnifies against some of these losses.

Builders risk insurance usually indemnifies against losses due to fire, vandalism, lightning, wind, and similar forces. It usually does not cover earthquake, flood, acts of war, or intentional acts of the owner. Coverage is typically during construction period only, and is intended to terminate when the work has been completed and the property is ready for use or occupancy.

Provides coverage for the home or condominium that you own that you rent to others as a primary residence. The policy also covers additional structures and any personal property of yours that is provided for the tenant’s use such as appliances, lawn equipment and furniture.

Provides expanded coverage for jewelry, fine arts, furs, musical instruments and other expensive personal items. May also be referred to as Personal Articles Floater or Inland Marine Floater when added as an endorsement to a Homeowner, Condominium or Tenant-Renter policy.

A basic Tenant or Renter policy covers the following:

• Personal belongings—furniture, clothing, appliances, etc.
• Liability claims—claims against you for bodily injury and property damage
• Medical payments to others—pays non-household members accidentally injured on your property

In addition to the base coverage, your Homeowner policy can include endorsements or special packages that provide additional coverage, for example:

• Coverage for valuable articles like jewelry, artwork, musical instruments and collectibles.
• Personal Injury—adds protection against more types of personal injury lawsuits (like invasion of privacy, wrongful eviction, or wrongful entry)
• Identity Fraud—reimburses you for your legal fees, document duplication, mailing costs and more

A basic Condo policy covers the following:

• Your condo’s improvement and betterments —from the most common causes of loss
• Personal belongings—furniture, clothing, appliances, etc.
• Liability claims—claims against you for bodily injury and property damage
• Medical payments to others—pays non-household members accidentally injured on your property

In addition to the base coverage, your Homeowner policy can include endorsements or special packages that provide additional coverage, for example:

• Coverage for valuable articles like jewelry, artwork, musical instruments and collectibles.
• Coverage for home-based businesses
• Coverage for water back-up and sump pump overflow
• Personal Injury—adds protection against more types of personal injury lawsuits (like invasion of privacy, wrongful eviction, or wrongful entry)
• Identity Fraud—reimburses you for your legal fees, document duplication, mailing costs and more