https://completemarkets.com/company/maximum/Excess-Comprehensive-Personal-Liability/
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Excess Comprehensive Personal Liability Coverage from MAXIMUM
MAXIMUM offers a flexible and competitive Excess Comprehensive Personal Liability (ECPL) program designed to help agents and brokers meet the unique liability needs of personal lines clients with complex risks. Whether your client owns multiple properties, has high-value assets, or requires additional protection beyond their primary coverage, MAXIMUM provides access to a wide range of solutions backed by strong underwriting and responsive service.
Ideal Accounts and Appetite
This program is well-suited for insureds with diverse residential property exposures and elevated liability concerns. Preferred risks include:
• Owners of 1–4 family dwellings, condo units, and mobile homes (owner-occupied or rented)
• Tenants of multi-unit residences or mobile homes
• Secondary, seasonal, and short-term rental properties
• Dwellings under construction or renovation (applicant not acting as general contractor)
• Locations with swimming pools (with options to exclude high-risk pool features)
• Vacant dwellings and vacant land (up to 250 acres)
• High-profile individuals and clients with up to 15 locations
• Trusts, estates, LLCs, corporations (for personal investment purposes), and similar entities
For example, you might have a client who owns several seasonal rental properties and a trust-managed condo unit—they would be an excellent candidate for this broad ECPL solution.
Coverage Highlights and Advantages
MAXIMUM’s ECPL program delivers key benefits that enhance protection and value for your clients:
• Limits up to $5 million available for most risks
• $1 million available when underlying limit is $100,000
• $1 million available in AL and MS
• Follow-form coverage structure
• Defense costs outside the policy limits
• Pre- and post-judgment interest coverage
• Multiple additional insureds can be added at no extra cost
• Access to value-added Business Solution Vendors, including:
Human Resources services
Pre-employment and tenant screenings
Identity theft protection
Motor vehicle reports
Underwriting Notes and Risk Restrictions
To maintain underwriting integrity, certain risk characteristics are ineligible for this program. These include:
• Commercial-form underlying coverage
• Farms or agricultural exposures
• Felony convictions
• Houseboats or floating homes
• Properties leased for hunting, fishing, or recreation
• Student or subsidized housing
• Group homes (other than some single-occupancy assisted living units)
• Vacant land with docks
• Corporations with non-residential real estate activity
• Properties located in AK, LA, or WV
Vacant dwellings must carry underlying liability limits of at least $300,000. The program accepts risks with up to one liability loss under $10,000 in the past three years.
Territories and Availability
This ECPL program is available in most states across the U.S., including but not limited to CA, FL, TX, NY, IL, and GA. It is not offered in AK, LA, or WV. The product is available on an admitted basis in most states, giving you and your clients added peace of mind and regulatory flexibility.
Why Work With MAXIMUM?
As a trusted wholesale broker, MAXIMUM brings a deep bench of expertise, market access, and underwriting responsiveness. You benefit from efficient quoting, flexible risk solutions, and a commitment to helping you grow your book with specialty personal lines coverage. When it comes to protecting your clients' assets and lifestyles, MAXIMUM delivers tailored options and unmatched service.
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 Excess 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 ECPL program?This program is ideal for clients who own multiple residential properties, have high-value assets, or need excess coverage for unique exposures such as vacation rentals, vacant land, or dwellings under renovation.
What are the available coverage limits?Limits up to $5 million are available for most risks. In some cases, the program offers $1 million limits when the underlying limit is $100,000 or for risks in AL and MS.
Are trusts or LLCs eligible for coverage?Yes, the program accepts insureds such as individuals, trusts, estates, family partnerships, LLCs, and corporations formed for personal real estate investment purposes.
What types of risks are not eligible?Ineligible risks include properties with commercial-form underlying insurance, farms, houseboats, student housing, land with docks, and locations in AK, LA, or WV.
Is this program available on an admitted basis?Yes, the program is available on an admitted basis in most states, providing compliance and ease of placement for your clients.
Need help placing an account? Connect with a market specialist.