Personal Lines
Our Personal Lines carriers provide Quaker with the broadest authority in New England, thanks to our staff’s over 280 years of combined underwriting experience. If, for some reason, a risk falls outside of our binding authority markets’ appetites, Quaker has brokerage carriers with whom to place the account.
Products
- High-Valued Homeowners
- Dwelling Fires (including Liability & Medpay)
- Builder’s Risk Program
- Condominium HO6 Program
- Mono-Line Secondary & seasonal homes
- Vacant dwellings (with Special Perils)
- In-home businesses
- Watercraft
- Personal Article and Collectibles floaters
- Comprehensive Personal Liability (CPL)
- Personal Umbrella (up to $25MM)
- 1-4 Family Rentals
- Vacation Rental Program
- Excess Personal Umbrella (up to $10 million)
- Mono-Line Wind Only
- Flood & Excess Flood
- Prior losses
- Protection Class 9-10
- Older construction
- Trust, estate, & LLC ownerships
- Hurricane/named storm/wind deductibles
- Coastal
Markets
Quaker Special Risk provides all you need in one place by having partnerships with 25 admitted & non-admitted personal lines carriers.
- ACE Private Risk Svcs./CHUBB
- AIG Private Client Group
- American Modern Insurance Group
- Insurance Group
- Atrium Risk Management. Svcs./AU Gold
- AXA Art Insurance Corp.
- Beazley USA
- Canopius U.S. Insurance
- Concept Special Risk
- CRC (formerly Argenia, LLC)
- DUAL Commercial, LLC
- Global Indemnity/Collectibles Ins.
- Highland Insurance Solutions, LLC
- Hudson Insurance
- InsureMark/Floodwatch
- Kingstone Insurance Co.
- Lexington Insurance Co.
- Markel Personal Lines
- MiniCo Insurance Agency, LLC
- National General Insurance Co.
- Narragansett Bay Insurance Co.
- Nationwide E&S/Scottsdale Insurance
- Price Forbes & Partners/BRIT Syndicate
- Safehold Special Risk
- Underwriters at Lloyd’s, London
- United States Liability/Mt. Vernon Fire Ins.
- VAULT E&S Insurance Co.
- WNC First
Programs
HIGH-VALUED HOMES
- Guaranteed Rebuild
- 125%/150%/200% Extended RC
- Functional Replacement Cost
- Actual Cash Value
- Agreed Amount valuation
- Mold limits from $5K – $250K
- Water Backup limits from $5K – $1M
- Ordinance/Law limits from 10% – Cov A limit
- ID Fraud limits from $15K – $25K
- Loss Assessment limits from $1K – $100K
- Equipment Breakdown limits from $15K – $1M
- Service Line limits form $5K – $25K
- Large Loss deductible waivers
BUILDER’S RISK
- Ground-up new construction
- Remodels and renovations
- Coastal
- Limits up to $50 million
- Transit and Soft Costs
- Theft of fixed & unfixed building materials
- Permission to Occupy
CONDO HO6
- 10% Ordinance/Law HO0477
- $5K Water Backup HO0495
- $10K Mold HO0426
- $15K ID Fraud HO0426
- $25K Loss Assessment HO0435
- Earthquake HO0454
- RC Content HO0490
- Unit Owners Special COV A HO 1732
- Unit Owners Special COV C HO1731
- Ability to add Condo Rented to Others HO1733
VACATION RENTAL PROGRAM
- Designed for homeowner & Dwelling Fire risks with short-term lodging of guests
- Expanded definition of “Personal Injury”
- Broadened “residence premises”
- Business Exclusion removed
- $5K Fair Rental Value per guest
- $5K Refrigerated Products
- $15K Personal Property of Guests
- Includes theft of personal property
- Includes $1M liability limit
PRIMARY FLOOD & EXCESS FLOOD
- Elevation certificates are not necessary
- No 30-day waiting period
- Coverage for basement contents
- RC on Contents instead of ACV
- Can include loss of rents
- Full limit capacity (beyond the $250K max with NFIP)
- Negative elevations
- A & V Flood zones
- Coastal Barrier Resource (COBRA) zones
- Non-participating communities
- Will consider multiple buildings on one policy
OUR PERSONAL LINES SERVICE STANDARDS
New business quotes in 24 hours
Renewal quotes 60 days in advance of expiration
Binders and/or coverage confirmation within 24 hours
Policies issued within 14 days
Endorsements issued within 14 days