Habitational General Liability Insurance

We are pleased to announce the launch of our Countrywide Habitational Purchasing Group to provide Commercial General Liability (CGL) coverage specifically designed to meet the needs of preferred habitational risks including apartments, condominium/townhome/homeowner associations, single-family and multi-family dwellings.

Habitational Supplemental Application

Hired & Non-Owned Auto Supplemental Application

Habitational General Liability Brochure

Product Details

The following coverages may be added to the CGL coverage of an eligible risk:

Hired and Non-Owned Auto Liability
Employee Benefits Liability (claims-made basis only)
Employer’s Liability (Stop-Gap)!

PROGRAM HIGHLIGHTS

Light to Medium Hazard
Low minimum premium beginning at$2,500.00
A.M. Best “A++” Rated Carrier on a Non-Admitted basis
Can consider mixed-use (LRO) where commercial exposures do not exceed 50%
First Dollar and Low Deductible (dependent upon risk)
No Mandatory Exclusions for A&B or SAM)

TERRITORY

Nationwide (excluding AK, HI, and NY)

SUBMISSION REQUIREMENTS

Standard Acord 125 & 126 Applications
Appropriate McGowan Excess & Casualty Supplemental Application(s)
Minimum Three (3) Years of Currently Valued Carrier Loss Runs - Five (5) Years Preferred
New Ventures Welcome (with minimum of three (3) years relevant industry experience)
Clearance is restricted to sixty (60) days prior to account effective date

PROGRAM EXCLUSIONS

Territory Exclusions:
- Wayne County, Michigan
- Hidalgo County, Cameron County, Willacy County, Starr County and Harris County, Texas
- DeKalb County, Georgia
Armed Security
Aluminum Wiring, Federal Pacific Stab Lock or Zinsco Panels
Buildings in Excess of 19 stories
Ineligible Amenities Include Saunas, Tanning Booths, Climbing Walls and Boat Docks or Boat Slips