Comprehensive Personal Liability Coverage Through MAXIMUM
MAXIMUM offers a robust Comprehensive Personal Liability program designed to help agents place personal liability protection for a wide range of individual and entity exposures. As a wholesale broker with deep underwriting experience and nationwide market access, MAXIMUM provides flexible admitted solutions for owner-occupied and rental residential properties, vacant land, and high-net-worth individuals. Agents and brokers benefit from responsive service, focused underwriting, and carrier relationships across most admitted states.
Ideal Accounts and Appetite
This program fits many personal liability risks, including:
- Owners of 1–4 family dwellings, condo units, and mobile homes — owner-occupied or rented
- Tenants of multi-unit dwellings or mobile homes
- Secondary and seasonal residences, including short-term rental properties
- Dwellings under construction or renovation (when the applicant is not the general contractor)
- Vacant dwellings listed for sale or undergoing renovation
- Vacant land up to 250 acres
- Properties with swimming pools (subject to underwriting criteria)
- Entities such as trusts, LLCs, family partnerships, and estates held for personal investment
The program accepts accounts with up to 15 locations and will consider risks with one liability loss under $10,000 in the prior three years. It is also positioned to support high-profile and high-net-worth individuals requiring tailored liability protection.
Coverage Highlights and Advantages
MAXIMUM’s Comprehensive Personal Liability program is structured to offer broad protection and practical features that help reduce placement friction for agents:
- Liability limits available up to $1 million
- Personal injury coverage included up to the full liability limit
- $5,000 medical payments included on all risks
- Defense costs paid outside the liability limit
- Dog liability included for most breeds (breed-specific restrictions may apply)
- Host liquor liability included where appropriate
- Third-party water damage coverage
- Pre- and post-judgment interest covered
- Unlimited additional insureds at no extra charge
- No policy deductibles
Insureds also gain access to Business Solution Vendors offering HR services, identity-theft protection, tenant screening, and motor vehicle reports — practical risk-management additions that agents can offer their clients.
Ineligibility and Underwriting Considerations
To keep suitable risk profiles, the program excludes certain exposures, including:
- Farms and agricultural operations
- Applicants with felony convictions
- Houseboats and properties leased primarily for recreational use (e.g., hunting/fishing)
- Model homes, student housing, and subsidized housing
- Assisted living or group-home facilities (limited exceptions for single-occupancy apartments)
- Vacant land with docks
- Corporations engaged in non-residential investment activities
- Risks located in Alaska, Louisiana, or West Virginia
Availability and specific terms vary by carrier and jurisdiction. Provide complete loss history and property details to speed underwriting and placement.
Territories and Availability
The program is offered on an admitted basis in most available states, including large markets such as CA, FL, TX, NY, IL, and GA. It is not available in AK, LA, or WV. MAXIMUM works with appointed agents in admitted markets and can discuss state-by-state placement options during submission.
Why Work With MAXIMUM?
MAXIMUM combines wholesale market access, technical underwriting, and high-touch broker service to help agents place challenging personal liability risks. We focus on practical solutions, quick responsiveness, and leveraging admitted markets to give clients regulatory advantages where possible. Whether you have a client with multiple seasonal rentals, a high-net-worth individual, or an entity holding residential investments, MAXIMUM can evaluate the account and propose tailored admitted options.
We settle for nothing less than the best choices for our clients, and we put no limit on what we can do for your client's Comprehensive Personal Liability Insurance needs.
Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.
Frequently Asked Questions
What types of accounts are a good fit for MAXIMUM’s Comprehensive Personal Liability program?
This program is ideal for owners or tenants of residential properties (1–4 family dwellings, condos, mobile homes), vacant land, short-term rentals, and high-net-worth individuals. Trusts and LLCs used for personal investments are also eligible.
Does the program cover properties with swimming pools or dogs?
Yes. Most dog breeds are eligible and swimming pools can be insured, though certain high-risk pool features (unfenced pools, diving boards over 4 feet, waterslides) may be excluded or subject to additional underwriting.
Can this program cover multiple properties under one policy?
Yes. The program accepts up to 15 residential locations under a single account, making it suitable for clients with several investment or seasonal properties.
Is this coverage available on an admitted basis?
Yes. MAXIMUM offers admitted placements in most available states, which provides standard regulatory protections and often smoother handling for clients.
What types of risks are not eligible for this program?
Ineligible risks include farms, properties leased for recreational use, student housing, houseboats, assisted living facilities (except limited single-occupancy situations), and risks located in AK, LA, or WV.
Need help placing an account? Connect with a market specialist.