G. J. Sullivan Company offers a flexible and competitive insurance solution for agents and brokers seeking to place Personal Umbrella, Comprehensive Personal Liability (CPL), and Flood Insurance policies. As a wholesale broker with strong market access, G. J. Sullivan provides streamlined quoting, responsive service, and a broad underwriting appetite, particularly for clients in California and flood-prone areas nationwide.
Ideal Accounts and Appetite
This program is well-suited for personal lines clients with diverse exposures, including:
- Individuals seeking excess liability limits beyond their standard homeowners or auto policies
- Property owners with multiple 1–4 family rental units or seasonal dwellings
- Clients with vacant land, mobile homes, or properties under renovation
- Trusts and estates needing liability coverage for domestic employees
- Clients in flood-prone areas needing federally backed flood insurance
For example, you may have a client who owns several tenant-occupied rental homes in California and needs both umbrella and CPL coverage—or another who owns a vacation home in a high-risk flood zone. This program can help you provide comprehensive protection for both scenarios.
Coverage Highlights and Advantages
Personal Umbrella
- Online rating and direct billing at renewal for ease of service
- Coverage limits from $1 million to $5 million
- Optional $1 million Uninsured Motorist coverage
- No Self-Insured Retention (SIR)
- No restrictions on vehicle types
- Accepts accounts with multiple rental units
- Low rates and excellent service standards
- Policy pays “on behalf of” the insured
- Available for California risks only
Comprehensive Personal Liability (CPL)
- Limits up to $500,000
- $1,000 Medical Payments included
- May be written as CPL or OL&Y (Owners, Landlords, and Tenants)
- Coverage available for up to six 1–4 family dwellings
- Eligible properties include owner-occupied, tenant-occupied, seasonal, and under construction
- Coverage also available for condominiums, mobile homes, vacant land, and trusts/estates
- Online rating and direct bill at renewal
- Available in California only
Flood Insurance
- Flood policies backed by the federal government (NFIP)
- Residential coverage up to:
- $250,000 for building
- $100,000 for contents
- Commercial coverage up to:
- $250,000 for building
- $100,000 for contents
- Available in all 50 states
Underwriting Notes
G. J. Sullivan Company is flexible when it comes to the number of rental units, vehicle types, and property conditions—making it easier for agents to place non-standard exposures. Online rating tools and direct bill options offer convenience at renewal. No self-insured retention is required for umbrella policies, and CPL can be written in a variety of ownership structures including trusts and estates.
Territories and Availability
Personal Umbrella and Comprehensive Personal Liability coverages are available exclusively in California. Flood Insurance is available in all 50 states, providing agents with a national solution for clients in both residential and commercial properties.
Why Work With G. J. Sullivan Company?
As a seasoned wholesale broker, G. J. Sullivan Company partners with top-rated carriers like Navigators Insurance Company and Selective Insurance Company of America to deliver reliable, competitive personal lines solutions. Their efficient online tools, flexible underwriting, and strong customer service make them a trusted resource for agents seeking to place personal umbrella, CPL, and flood risks quickly and confidently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for California-based clients with multiple personal liability exposures—such as rental properties, seasonal homes, vacant land, or domestic employees—as well as clients across the U.S. needing flood insurance.
Can I write a Personal Umbrella policy for a client with several rental properties?
Yes, the program is flexible on the number of rental units, making it a great fit for insureds with multiple 1–4 family dwellings.
Is Flood Insurance available outside of California?
Yes, Flood Insurance is available in all 50 states for both residential and commercial properties.
Are online quotes available for these coverages?
Yes, online rating is available for both Personal Umbrella and CPL coverages, with direct billing at renewal to streamline processing.
What carriers back this program?
The program is backed by Navigators Insurance Company and Selective Insurance Company of America, both respected names in the industry.
Need help placing an account? Connect with a market specialist.