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High Value, Coastal and Tough Homeowners Insurance Program Novatae Risk Group offers a focused High Value, Coastal and Tough Homeowners Insurance Program for brokers and agents placing complex personal property risks. Through access to Certain Underwriters at Lloyds of London, this non-admitted E&S solution targets tough-to-place accounts that fall outside the appetite of standard carriers. Program Highlights: Minimum Value: $750,000 Maximum Value: $25,000,000 Standard Liability Limit: $1,000,000 HO3 and HO5 forms available Ideal Accounts and Risk Appetite This program is built for high-net-worth clients with challenging exposures—coastal estates, homes in high wildfire zones, secondary or seasonal residences, and properties with prior loss activity. Novatae will consider accounts that standard admitted markets often decline, including corporately owned or trust-held homes and high-profile insureds. Target insureds include: High-profile individuals (entertainers, athletes, public figures) Homes held in trust or owned by corporations Accounts with prior claims or difficult loss histories Properties in protection class 9 or 10 Homes with elevated flood exposure, including V zones What's Covered — Catastrophe Exposures Earthquake (California) Brush fire / wildfire Windstorm* (including Florida Tri-State) Flood (including excess flood needs) Properties in protection class 9/10 V zone coastal flood exposures High-profile owner liability concerns Accounts with challenged claims records Corporately owned or trust-held properties Caribbean exposures Underwriting Requirements and Minimum Premiums Underwriting is individualized by risk. Premiums vary with location, construction, protective features, and exposure severity. To help the underwriters evaluate quickly, include: Completed ACORD 80 (Homeowner application) Three years of loss runs Details and final reports for any large losses Completed homeowners supplemental questionnaire Minimum premiums vary by risk; contact underwriting for program-specific thresholds. States Available This program is available in: AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV, WI. Why Partner with Novatae Risk Group? As a Managing General Underwriter and E&S broker, Novatae Risk Group combines specialized underwriting and direct market access to Certain Underwriters at Lloyds of London. The team emphasizes speed, flexibility, and tailored solutions that help you place and retain high-value clients where admitted markets are unavailable or unwilling to write. Working with Novatae is a good option when you need an experienced E&S partner to evaluate unique exposures, structure non-admitted placements, or manage accounts with prior losses or non-standard ownership structures. Do you need a High Value Homeowners Insurance quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for high-value homes with catastrophe exposures, high-profile owners, corporately owned or trust-held properties, and accounts with prior loss history. Is this program available in admitted markets?No. This program is offered on a non-admitted basis through Certain Underwriters at Lloyds of London. Can I submit a home located in a coastal V zone?Yes. The program has capacity for properties in high-risk flood zones, including V zones, provided underwriting requirements are met. What is the minimum home value required for submission?The program requires a minimum home value of $750,000. Risks up to $25,000,000 can be considered. What documents are needed to submit a risk?Required documents include the ACORD 80 application, three years of loss runs, details of any large losses, and a completed supplemental questionnaire. Need help placing an account? Connect with a market specialist.

...pecifically for those engaged in residential and light commercial construction...ement work, including single-family residential builds. What are some of the i...

High Value Homeowners Insurance from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a flexible and competitive High Value Homeowners Insurance program designed to help agents and brokers place coverage for affluent clients with unique or complex property exposures. With access to both admitted and non-admitted markets, we can help you find the right solution for clients whose properties exceed traditional homeowners insurance limits or fall outside standard underwriting guidelines. Ideal Accounts and Appetite This program is best suited for high net worth individuals who own primary, secondary, or seasonal homes with high replacement cost values, often located in areas with increased exposure such as wildfire zones, coastal regions, or hurricane-prone territories. We consider all dwelling types (excluding working farms), including luxury estates, vacation homes, and custom-built residences. All construction types are considered, though certain restrictions may apply for properties located in catastrophe-prone areas. Examples of ideal accounts include: A $2.5M beachfront vacation home in Florida requiring windstorm and flood considerations. A luxury modern home in California’s wildfire zone needing higher dwelling limits and extended replacement cost coverage options. Coverage Highlights and Advantages Our High Value Homeowners Insurance markets offer: Coverage A limits starting at $500,000, with Total Insured Values up to $10,000,000. Protection for a variety of dwelling types and occupancy structures. Access to both admitted and non-admitted options, depending on the risk and location. Competitive solutions for challenging territories and unique property characteristics. Underwriting Notes and Minimum Premiums All submissions must include completed ACORD applications. Please email submissions to [email protected] for quoting. Minimum premiums vary depending on the location, dwelling value, and coverage requirements. We recommend contacting our underwriting team early to discuss any unusual risks or exposures. Territories and Availability We offer High Value Homeowners Insurance coverage across all U.S. states and territories, subject to aggregate availability in catastrophe-prone regions. This includes high-risk states such as California, Florida, Texas, Louisiana, and New York, among others. Our broad geographic reach allows you to serve clients with complex property portfolios in multiple states. Why Work With Continental Risk / Continental Marine Insurance Services? As a trusted General Agency and Excess & Surplus Lines Broker, Continental Risk / Continental Marine Insurance Services brings extensive expertise in placing hard-to-insure risks. We work closely with a range of carriers to offer flexible and responsive solutions tailored to high-value homeowner clients. Our team is committed to helping agents and brokers succeed with fast turnarounds, expert underwriting support, and access to niche markets. If you’re ready to explore options for your high-value homeowner clients, contact our office at 866-699-2747 or send your submission to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?High net worth individuals with homes valued at $500,000 or more, especially those in catastrophe-prone or high-value areas, are ideal for this program. Do you offer coverage in catastrophe-prone areas?Yes, we can provide coverage in catastrophe-prone regions, including coastal and wildfire zones, subject to aggregate availability and underwriting guidelines. Are both admitted and non-admitted markets available?Yes, we offer access to both admitted and non-admitted markets depending on the location and risk profile of the property. What documentation is required for a quote?We require completed ACORD applications submitted to [email protected] to begin the quoting process. Can I place secondary or seasonal homes through this program?Yes, we consider primary, secondary, seasonal, and vacation homes, provided they meet the program’s underwriting criteria. Need help placing an account? Connect with a market specialist.

...e. Target classes include: Contractors (general and specialty trades, env... program?This program is ideal for contractors, manufacturers, distributors, a...

M.J Hall & Company now offers Residential Living Facilities Insurance! M. ... risk placement strategies for your residential living facility clients—contac...

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Program Highlights for In-home Business Insurance: Overview — Colonial General Insurance Agency, Inc. In-home Business Insurance Colonial General Insurance Agency, Inc. offers an In-home Business Insurance program designed for small, owner-operated businesses that run from the insured’s residence. Unlike many standard homeowners policies that exclude business exposures, this program is written as a supplement to the homeowner policy so the home and the business can be insured together. Colonial General underwrites these risks as a Managing General Agency and Excess & Surplus Lines broker with access to multiple markets (carriers vary). Ideal accounts and target classes Owner-operated retail distribution from the home (online shops, craft sellers, direct-to-consumer product sales). Service professionals working from a home office (consultants, bookkeepers, designers, small IT shops) with limited or no public traffic. Creative and light production businesses (artists, tailors, small-scale woodworking or custom jewelry where processes and materials are low hazard). Accounts operated by the insured and/or immediate family with no more than three employees. What typically fits — and what does not Good fits are small operations with low premises exposures, limited customer visits, modest inventory stored on site, and no heavy equipment or hazardous processes. This program generally will not accept accounts that involve significant manufacturing, high customer foot traffic, regular on-site instruction/classes with many attendees, large-volume flammable storage, auto repair, or other high hazard operations. Coverage highlights Business Personal Property — protection for stock, tools, and business equipment kept at the residence. Business Income — limited time element coverage for income interruption tied to the home business operations. Business General Liability — coverage for third-party bodily injury and property damage arising from business operations. Standard All Perils Deductible — consistent deductible structure designed to align with the packaged homeowners supplement. Medical Payments — for on-site medical expense payments to third parties regardless of fault. Underwriting notes for agents Maximum employees: typically the insured and immediate family plus up to three employees. Verify payroll and employee counts on submission. Operations: program focuses on retail distribution or low-exposure services performed at or from the home. Describe production processes, materials, and any flammable or hazardous substances used. Premises exposures: photos of the work area, description of customer access and parking, and any fire or safety protections are commonly requested. Loss history: submit prior loss runs when available — underwriting reviews frequency and severity closely on home-business risks. Carrier placement: markets vary by class and state; some territories have admitted capacity while others are placed on a non-admitted/E&S basis (see availability below). Territories and availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted capacity is available in some markets; other placements may be handled on an Excess & Surplus basis depending on the class and state. Because carriers and admitted status vary, submit early or contact Colonial General underwriting to confirm placement options for a specific state and class. Why work with Colonial General on in-home business accounts Colonial General focuses on small, home-based businesses and understands how to package business coverages with homeowner exposures without forcing a separate commercial property policy. The program streamlines placement for common home business classes, offers tailored limits for personal property and liability, and gives agents flexible access to admitted and non-admitted markets. For borderline or nonstandard situations, Colonial General’s MGA/E&S capabilities can help find an appropriate market. Quick example scenarios Example A — An Etsy artisan sells handcrafted goods online and stores finished inventory in a garage workroom. The owner wants coverage for stock, tools, and limited liability for buyer visits. This program can provide business personal property and liability coverage as a supplement to the homeowner policy. Example B — A freelance bookkeeper works from a home office, has no in-person client traffic, and needs professional liability and business income protection for computer equipment and records. The program accommodates low-exposure office services operated from the residence. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s In-home Business program?Accounts that fit best are owner-operated, retail distribution or low-exposure service businesses run from the home, with limited customer visits, modest on-site inventory, and no more than three employees (including immediate family). Examples include online retailers, artists/crafters, consultants, and small home offices. Is this coverage written standalone or combined with a homeowners policy?The program is written as a supplement to the homeowner policy so the residence and the in-home business are insured together. Placement details and eligibility are confirmed by Colonial General underwriters and vary by market. Can customers visit the home for pickups or appointments?Limited customer visits are typically allowed but depend on the class and expected foot traffic. High customer volume, instruction classes, or regular public events are usually not acceptable. Provide details on expected visits when submitting so underwriters can assess exposure. Which states and admitted options are available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets offer admitted capacity while others may require non-admitted/E&S placement; carriers vary by state and class, so check with Colonial General for current market availability. Need help placing an account? Connect with a market specialist.

Program Highlights for Personal Umbrella Insurance: Colonial General Insurance Agency, Inc. offers a flexible and competitive Personal Umbrella Insurance program designed for clients who need higher limits of liability coverage across various personal exposures. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General gives independent agents and brokers access to a broad range of markets and underwriting expertise to help place even the most complex personal risks. Ideal Accounts and Appetite This program is an excellent solution for clients who have higher-than-average liability exposures. Ideal accounts include: Households with high-value homes, rental properties, or multiple residences Clients owning sports cars, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with youthful drivers or multiple drivers in the household Public figures, celebrities, and other high-profile individuals Risks with active farm or ranch exposures Insureds needing excess liability above another umbrella policy This program is especially helpful for agents working with clients whose primary auto or homeowners coverage is placed with another carrier, as Colonial General can provide umbrella coverage regardless of the underlying insurer. Coverage Highlights and Advantages Limits ranging from $1 million to $10 million Primary and excess umbrella options available Driver exclusions available to help manage risks with poor driving records Coverage can be extended to additional residences, including rental properties Targeted pricing with competitive rates for qualified risks Solutions available for both standard and hard-to-place accounts For example, you might have a client who owns a vacation rental property, drives a luxury sports car, and has a teen driver in the household. This program allows you to offer them a tailored umbrella solution that bridges coverage gaps and provides peace of mind. Underwriting Notes Colonial General understands the diverse needs of personal umbrella clients and works with agents to engineer viable solutions. Driver exclusions and flexible underwriting allow placement of more challenging risks. While no specific minimum premium is listed, the program is competitively priced based on risk characteristics and limits selected. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, while others may utilize non-admitted/E&S options depending on the risk profile and carrier availability. Why Work With Colonial General? With decades of experience in personal lines and specialty coverage, Colonial General provides expert underwriting, market access, and responsive service to help agents find the right solutions for their clients. Whether you’re placing a standard umbrella or navigating a complex high-net-worth risk, Colonial General has the flexibility and carrier relationships to support you. To learn more or get started, visit the Colonial General Insurance Agency, Inc. company profile or explore the Personal Umbrella Insurance program. Frequently Asked Questions What types of accounts are a good fit for this Personal Umbrella program?This program is ideal for clients with higher liability exposures, such as households with youthful drivers, luxury vehicles, recreational equipment, or rental properties. High-profile individuals and farm exposures can also be accommodated. Can this umbrella policy sit over other primary carriers?Yes. Colonial General can provide umbrella coverage even if the underlying homeowners or auto policies are written by another insurer. What coverage limits are available?Umbrella limits range from $1 million up to $10 million, with both primary and excess umbrella options available depending on the risk. Are driver exclusions allowed?Yes. Driver exclusions can be used to help manage risks involving household members with poor driving records. Which states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

Program Highlights for Personal Umbrella Insurance: Colonial General Insurance Agency, Inc. offers a flexible and competitive Personal Umbrella Insurance program designed for clients who need higher limits of liability coverage across various personal exposures. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General gives independent agents and brokers access to a broad range of markets and underwriting expertise to help place even the most complex personal risks. Ideal Accounts and Appetite This program is an excellent solution for clients who have higher-than-average liability exposures. Ideal accounts include: Households with high-value homes, rental properties, or multiple residences Clients owning sports cars, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with youthful drivers or multiple drivers in the household Public figures, celebrities, and other high-profile individuals Risks with active farm or ranch exposures Insureds needing excess liability above another umbrella policy This program is especially helpful for agents working with clients whose primary auto or homeowners coverage is placed with another carrier, as Colonial General can provide umbrella coverage regardless of the underlying insurer. Coverage Highlights and Advantages Limits ranging from $1 million to $10 million Primary and excess umbrella options available Driver exclusions available to help manage risks with poor driving records Coverage can be extended to additional residences, including rental properties Targeted pricing with competitive rates for qualified risks Solutions available for both standard and hard-to-place accounts For example, you might have a client who owns a vacation rental property, drives a luxury sports car, and has a teen driver in the household. This program allows you to offer them a tailored umbrella solution that bridges coverage gaps and provides peace of mind. Underwriting Notes Colonial General understands the diverse needs of personal umbrella clients and works with agents to engineer viable solutions. Driver exclusions and flexible underwriting allow placement of more challenging risks. While no specific minimum premium is listed, the program is competitively priced based on risk characteristics and limits selected. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, while others may utilize non-admitted/E&S options depending on the risk profile and carrier availability. Why Work With Colonial General? With decades of experience in personal lines and specialty coverage, Colonial General provides expert underwriting, market access, and responsive service to help agents find the right solutions for their clients. Whether you’re placing a standard umbrella or navigating a complex high-net-worth risk, Colonial General has the flexibility and carrier relationships to support you. To learn more or get started, visit the Colonial General Insurance Agency, Inc. company profile or explore the Personal Umbrella Insurance program. Frequently Asked Questions What types of accounts are a good fit for this Personal Umbrella program?This program is ideal for clients with higher liability exposures, such as households with youthful drivers, luxury vehicles, recreational equipment, or rental properties. High-profile individuals and farm exposures can also be accommodated. Can this umbrella policy sit over other primary carriers?Yes. Colonial General can provide umbrella coverage even if the underlying homeowners or auto policies are written by another insurer. What coverage limits are available?Umbrella limits range from $1 million up to $10 million, with both primary and excess umbrella options available depending on the risk. Are driver exclusions allowed?Yes. Driver exclusions can be used to help manage risks involving household members with poor driving records. Which states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

...gents place coverage for upscale residential risks. Whether your client owns a...