Facebook
Twitter
LinkedIn
Instagram

Personal Liability

(Primary & Excess)

What is Personal Liability Insurance?

The Personal Liability coverage within your homeowners policy provides coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible. Excess Liability enables applicants to increase their primary limits or meet minimum point of attachment of their Personal Umbrella.

Comprehensive Personal Liability*

Owners of 1-4 family dwellings, condo units and mobile homes that are owner-occupied or rented to others

Tenants of multiple unit dwellings, condo units and mobile homes

Secondary/seasonal dwellings

Short-term rentals (monthly, weekly, nightly)

Eligible named insureds include individuals, trusts, limited partnerships, family partnerships, LLCs, estates or corporations established for personal investment purposes

Dwellings under construction or renovation where the applicant is not the general contractor

Vacant dwellings currently for sale or undergoing renovations or construction where the applicant is not the general contractor

Vacant land up to 250 acres

RV lots

Dwellings with swimming pools; unfenced swimming pools or pools with diving boards higher than four feet or waterslides can be written excluding these specific exposures

Risks with up to 15 locations

Limits up to $1M

Personal injury included

Dog liability included for most breeds

Host liquor liability included

Third-party water damage included

Defense outside the limit

Pre and post-judgment interest coverage

Multiple additional insureds can be added at no additional premium

No deductibles

Excess Comprehensive Personal Liability*

Owners of 1-4 family dwellings, condo units and mobile homes that are owner-occupied or rented to others

Tenants of multiple unit dwellings, condo units and mobile homes

Secondary/seasonal dwellings

Short-term rentals (monthly, weekly, nightly)

Eligible named insureds include individuals, trusts, limited partnerships, family partnerships, LLCs, estates or corporations established for personal investment purposes

Dwellings under construction or renovation where the applicant is not the general contractor

Vacant dwellings currently for sale or undergoing renovations or construction where the applicant is not the general contractor

Vacant land up to 250 acres

RV lots

Dwellings with swimming pools; unfenced swimming pools or pools with diving boards higher than four feet or waterslides can be written excluding these specific exposures

Risks with up to 15 locations

Limits up to $5M

Coverage is follow form

Multiple additional insureds can be added at no additional premium

Defense outside the limit

Pre and post-judgment interest coverage

*varies by carrier

Personal Lines Team

Personal Lines Products

Submissions

Excess limits up to $1M:
Call the Instant Quote Team at 888-845-1729 or quote online here.

For Excess Limit requirements above $1M, please contact your Braishfield Underwriter.