Personal Lines

Risk Innovations specializes in High Net Worth and Surplus Lines Insurance. We provide our agency partners with the resources and knowledge to cover any and all of their clients’ unique needs.

Target Appetite

  • Packaged/Monoline Policies for Affluent Clients (Home Coverage A $500K+)
  • Monoline Surplus Lines Homeowners (Home Coverage A $150K+)
  • Appetite includes short term rentals, vacants, coastal properties, claims activity, PC9/PC10, course of construction, etc.
  • Monoline Personal Article Floaters
  • Monoline Umbrellas
  • Monoline Excess Flood

"I have been working with Risk Innovations for years now as my go-to for personal lines risks. As underwriting guidelines continue to tighten, it’s very important to me to have that relationship. Everyone on their personal lines staff is knowledgeable, responsive, and makes the entire process effortless. I’m so glad to have the entire Risk Innovations team on my side for new business, renewals, and everything in between."

Carlie Grier
Personal Lines Account Manager
Little & Smith, Inc.

Keep it Simple

Are you interested in a quick and easy online quote for your Surplus Lines homeowners risks? We make it easy!