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PERSONAL LIABILITY INSURANCE

Surplus lines solutions for additional financial protection against accident claims and lawsuits.
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SPECIALTY INSURANCE SOLUTIONS TO PROTECT CLIENTS AGAINST COSTLY CLAIMS

From frequently entertaining at their homes to owning short-term rental properties, there are many reasons clients may be at increased risk of a claim and require higher liability limits than standard homeowners policies provide. DeCotis Specialty Insurance offers agents easy access to comprehensive Personal Liability solutions from AM Best A-Rated markets to fill in this coverage gap.

 

Target Classes

FOR PERSONAL AND PREMISES LIABILITY RISKS

We provide our agency partners with access to coverage options for the special liability risks associated with certain property types and lifestyles, including but not limited to:

  • Owners of 1-4 family dwellings and condo units up to 15 locations
  • Seasonal and secondary residences
  • Short-term rentals
  • Vacant landowners
  • Dwellings with fenced swimming pools
  • High-net-worth and high-profile individuals
  • Properties in the name of an individual(s), trusts, estates, LLCs, LPs, and family partnerships

Product Highlights

To read more product highlights, please download and save the coverage sheet.

  • Primary and Excess limits up to $5 million
  • Medical Payments included
  • Personal Injury included
  • Dog Liability included for most breeds at owner-occupied locations
  • Host Liquor Liability Coverage option
  • Multiple additional insureds can be added at no additional premium
  • Individuals, trusts, estates, LPs, LLCs, and family partnerships can be written as named insured(s)
A flyer for Decotis Specialty Insurance featuring a house image and information about personal umbrella and Personal Liability Insurance coverage up to $10 million, including coverage details, product features, and contact info for three representatives.
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SUBMISSION REQUIREMENTS

Download a Comprehensive Personal Liability Application and provide any additional relevant information. Send the application to: Quotes@DeCotis.com.

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A Personal Liability Insurance umbrella application form showing fields for producer and agent info, insured name, address, policy term, and coverage options with checkboxes and amounts. The top of the form has the Decotis Specialty Insurance logo.

GETTING A PERSONAL LIABILITY INSURANCE QUOTE IS SIMPLE

Select one of the following options to request a quote for your clients’ specialty insurance needs:

Get an Online Quote
Submit an Application
Contact an Underwriter
USLI Instant Phone Quote: 888-875-5218

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your clients may also require these products.

Home Insurance

Designed to help homeowners pay to repair, replace, or restore their house, belongings, and other structures on their property if they’re damaged due to a covered event.

Learn More
Personal Umbrella and Excess Liability Insurance

Offers additional liability coverage to pay for legal defense costs, settlements, and judgments when the limits of an underlying Auto, Homeowners, Watercraft, or Recreational Vehicle policy are reached.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Instant Online Quote Option for Agents
  • Responsive Support from Experienced Underwriters
  • Flexible Options for Clients That Need Higher Liability Limits
  • Higher Limits of up to $5 Million Primary Liability Protection Available
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