Our "A++" rated carrier has crafted coverage that enables applicants 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 a personal umbrella.

Ineligible Excess Comprehensive Personal Liability

Please note we cannot offer coverage to the following:

  • Risks with underlying insurance on a commercial form

  • Farms

  • Individuals convicted of a felony

  • Houseboats

  • Locations leased to others for purposes of fishing, hunting or other recreational activities

  • Dwellings used as a model home for new construction

  • Student or subsidized housing

  • Assisted living or group home facilities except for assisted living apartments with single occupancy or husband and wife

  • Vacant land with a dock

  • Corporations that have activities outside of residential real estate investment

  • NBA or NFL athletes in their rookie season

  • Artists performing controversial lyrics

  • Risks located in AK, LA or WV

Available Coverage for Excess Comprehensive Personal Liability

  • Owner or tenant occupied 1-4 family dwellings, condominiums, mobile homes or cooperative apartments can be covered

  • Trusts, estates, limited liability corporations, family partnerships, limited partnerships and corporations may be written as a named insured

  • High profile individuals such as entertainers, professional sports figures, politicians, etc.

  • Short term rentals are eligible

  • Vacant land is acceptable

Coverage Limits Available for Excess Comprehensive Personal Liability

  • Limits available up to $5,000,000

  • Minimum attachment points of underlying primary comprehensive personal liability policy or homeowners section II coverage of at least $100,000

  

 

Claim Example for Excess Comprehensive Personal Liability

You own a beach house with some friends. While renting the property out to others over a weekend,

the renters have a party and someone falls off the rear deck and breaks his/her legs, resulting in

several surgeries. You’re sued for medical expenses and pain and suffering. Your underlying

homeowners policy paid $300,000 and we paid an additional $225,000

You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.

Excess Comprehensive Personal Liability

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