Back CA - Looking for an Umbrella in Interesting Circumstances

I have a client that has converted their warehouse (it has two different addresses) into one big building, using it as living space and business use work space. We have a CGL policy and treating it as all as commercial because the property is zoned commercial. We cannot write an HO3/DP3 due to the zoning. They wish to have an Umbrella (they have property in other states). All the carriers I've contacted for the Umbrella ask for the home address/limits/etc. of their home policy but there is no home policy. I know that in Los Angeles there are properties downtown that have converted warehouses and/or commercial space into lofts that they use as living space and work space. That doesn't seem to be the case here because I'm pretty sure the zoning there changed to accomodate the new living conditions. My insured Really wants this Umbrella. Any ideals w/o an HO3/DP3? Thanks!

the address of 100-120 street is both the company and their residence. Because the company is renting space to their owner, the company can have them named as additional named insured on their policy(they can pay rent to company). They will then have a liability policy Number for their umbrella.(or company can get an umbrella) and owner would be covered under it as well. bkah4brown

bkah4brown: Interesting, but I guess I should have mentioned that the building is owned by an individual, not a company. Can you help me with this new development? Your scenario would make perfect sense if the owner was a company/corp. - although with the zoning I'm still not sure if I'd be able to get an HO3/DP3 for property that is clearly Not a home.

Why are you not writing three policies: 1. Building owner - Office & Apartment Occupancy, commercial umbrella available 2. Business owner - Liability on Office and Contents, commercial umbrella available. You migtht be able to combine this two via the lease agreement 3. Tenant/renters policy - HO-4 you can get a personal umbrella over this. This breaks out the personal lines exposures and commercial lines exposures.

I have a client that has converted their warehouse (it has two different addresses) into one big building, using it as living space and business use work space. We have a CGL policy and treating it as all as commercial because the property is zoned commercial. We cannot write an HO3/DP3 due to the zoning. They wish to have an Umbrella (they have property in other states). All the carriers I've contacted for the Umbrella ask for the home address/limits/etc. of their home policy but there is no home policy. I know that in Los Angeles there are properties downtown that have converted warehouses and/or commercial space into lofts that they use as living space and work space. That doesn't seem to be the case here because I'm pretty sure the zoning there changed to accomodate the new living conditions. My insured Really wants this Umbrella. Any ideals w/o an HO3/DP3? Thanks!

call me, i might be able to offer the umb quote i need acord 125 & 131 also, i nned the underlying quote 201-792-1577 - trivedi_trivediandassociates@comcast.net

bkah4brown: Interesting, but I guess I should have mentioned that the building is owned by an individual, not a company. Can you help me with this new development? Your scenario would make perfect sense if the owner was a company/corp. - although with the zoning I'm still not sure if I'd be able to get an HO3/DP3 for property that is clearly Not a home.

The HO-4 idea below would work fine as long as they did not have to provide coverage for the 2nd half of the building. Do they?? or does the building owner cover the entire building? Don't think it would make much difference if the owner was an individual. The tenant could still be named as an additional insured. bkah4brown

INTLXS: Huh... I'll marinate on your scenarios to see if they make sense for my Insured. Thank You.