Personal Lines

Offered by Osprey Underwriters

Excess Personal Liability Excess Auto Excess Umbrella Liability High Risk Child Care Rental Dwelling Multi-Family Housing Personal Articles Floaters Condos


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• Financial stability of a carrier rated A++ by A.M. Best
• Available on an admitted and non-admitted basis

Enables applicants to increase their primary limits or meet the minimum point of attachment of their personal umbrella. Now available for short-term rentals, LLC’s and corporations.

This product attaches at a minimum underlying limit of $250,000/$500,000/$100,000 and enables applicants to increase their primary limits or meet the minimum point of attachment of their personal umbrella.

Available for applicants who desire higher limits than their primary umbrella carrier will provide.

We write unsupported umbrella policies for the broadest range of applicants in the marketplace today. We offer coverage for preferred, standard or high risk households, as well as high profile individuals and farm and ranch owners. The product has no self insured retention and a broad definition of bodily injury, which includes mental injury, mental anguish, humiliation and shock. We offer optional excess UM/UIM in all states and offer the stability of an A++ rated company. Trusts, LLC’s, LLP’s, LP’s and estates are now eligible applicant types.

• Preferred and Standard Applicants: 
Minimum premiums can be as low as $160 and minimum attachment points can be as low as $250,000/$500,000 or $300,000 C.S.L. limits of $10,000,000 are offered for any preferred account ($5,000,000 in FL, $1,000,000 in AL, MS, NH, VT). The product can be written admitted in most states.

• High-Risk Applicants: 
We write households with problem driving records including multiple convictions, fault losses and DUI’s as well as accounts with elderly drivers (90+), open claims or previous losses with significant payments made.

• High Profile Applicants: 
We write high profile applicants such as politicians, entertainers and professional athletes. Personal injury coverage is available.

• Farm and Ranch Owners Product:
Our product is designed for family and gentleman farms where underlying farm liability is provided in a Personal Lines form.

Our monoline product is designed to fill the void where a standard homeowner’s policy is hard to find. We offer a broad coverage appetite including individuals, LLC’s, trusts, estates, corporations and limited or family partnerships. Available for one to four-family owner and tenant occupied dwellings as well as vacant land. Short-term rentals that are weekly or monthly are eligible.

We provide comprehensive coverage for residential child care centers. Our superior coverage automatically includes professional liability as well as medical payments that includes children enrolled in the center for no additional charge. Employees are considered insureds for defense cost reimbursement coverage, as well as abuse and molestation coverage on most centers.


$10M Maximum Premium

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Listing Contact

Osprey Underwriters

Offered By

Osprey Underwriters

20 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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