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

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New business quotes in 24 hours

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Renewal quotes 60 days in advance of expiration

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Binders and/or coverage confirmation within 24 hours

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Policies issued within 14 days

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Endorsements issued within 14 days