Personal
Umbrella

Comprehensive
Personal Liability

Farmers Personal
Liability

Special
Events

Personal Collections/
Valuable Articles

Homeowners
Coverage

Condominium
Coverage

Renters
Coverage

1-4 Family Tenant
Dwelling Coverage

Vacant
Dwelling

Yacht
Product

Course of
Construction

WSG Specialty Underwriters, a Houston based subsidiary of Wilson Smith Group LLC, is here to assist with your difficult Personal Lines Placements. WSG specializes in the underwriting and placement of specialty residential property exposures, farm liability exposures, personal collections, as well as personal and excess liability placements.

> HIGHLIGHTS

Residential property exposures can be difficult to place at times due to capacity restrictions, prior claims, vacancy, renovation, required endorsements and protection class issues. We are pleased to offer an online quoting platform in which we are able to offer terms for these unique risk characteristics.
 
In allowing the agent access to our unique risk management portal, we are able to offer immediate indications, digital applications, and expedited policy issuance.

> LINES of BUSINESS

WSG has the ability to offer comprehensive solutions for Homeowners, Tenants, Condominium Unit Owners, 1-4 Family Tenant Dwellings, Private Collections, Vacant and Renovation & Course of Construction Risks, Private Kidnap & Ransom, Yacht as well as Personal Liability Solutions

> OTHER AVAILABLE PRODUCTS

WSG Program Managers is able to offer program solutions for ATM operations, Armored Car Companies, Check Cashiers, Jeweler’s Block , Special Events, Kiosks, Course of Construction, Vacant/ Renovation Coverage, Commercial Property Coverage, Retail/ Mercantile Packages, Office Building Packages, Lessor’s Risk Packages & Kidnap & Ransom Coverage.

PERSONAL UMBRELLA PROGRAM

AM Best Rating "A" (Excellent)

Primary Umbrella

  • $1–$10 Million
  • Underlying Requirements
    • CPL: $300 CSL
    • Auto: $250/$500/$100
    • Rentals: $300 CSL
    • Watercraft: $300 CSL (Higher limits may be required for larger Watercraft)
  • Will accept youthful drivers with $250/$500/$100 limits
  • Accept DUI's, alcohol related violations
  • Over 70 years - No medical required
  • Named Insured Can Be:
    • Individual
    • Trust
    • Estate
    • LLC
  • Underlying carrier rating must be B+ or Better
  • Will accept ATV's, Motorcycles, Mopeds, Snowmobiles (underlying limits of $250/$500/$100 required)

Excess Umbrella

  • $1–$10 Million
  • Excess over another carrier's umbrella
  • Following form of underlying Umbrella

Target Umbrella

  • $1–$10 Million
  • Program for high-profiled individuals such as actors, sports personalities, musicians, etc.
  • Personal injury is not automatically included, but may be bought back with company approval

Application Forms

COMPREHENSIVE PERSONAL LIABILITY

AM Best Rating "A" (Excellent)

Comprehensive Personal Liability (CPL)

  • Up to $100K, $300K, $500K, or $1 Million CSL available
  • Will Accept risks with dobermans, Pitbulls and Rottweilers (They may be excluded)
  • Dog bite history (animal will be excluded)
  • Rental units
  • Course of constructions (need certificate of insurance from contractor)
  • Vacant Land
  • Named Insured Can Be:
    • Individual
    • Trust
    • Estate
    • LLC
  • Medical Payments
    • $1,000 Included
    • $2,000 for $10
    • $5,000 for $20
  • $250 per occurrence deductible

Excess Comprehensive Personal Liability

  • Limits: $100K, $300K, $500K, or $1 Million
  • Excess over another carrier's primary CPL
  • Carrier must be B+ or better
  • Same Guidelines as CPL

Application Forms

FARMERS PERSONAL LIABILITY

AM Best Rating "A" (Excellent)

Farmers Personal Liability

  • Limits: $100K, $300K, $500K, & $1 Million
  • Small Farms in
    • Individuals name
    • Estate
    • Trust
    • LLC
  • Additional insured's may be added for the designated premises only
  • Ineligible farms: tobacco, horses raised or used for racing, freezing or dehydrating, supply commodities for manufacturing or processing insured
  • $250 Property damage liability deductible
  • $25,000 chemical drift limitation

Application Forms

SPECIAL EVENTS

AM Best Rating "A" (Excellent)

Why you should use WSG's Special Events Program

  • Competitively priced
  • Exceptional commissions
  • Immediate coverage options & price indications
  • Immediate binding & policy issuance
  • Prompt claim handling

Coverage

  • A wide variety of classifications to cater to your specific needs
  • Ability to email Certificate of Insurance directly to the Insured
  • Up to 3,000 attendees and up to 15,000 overall event attendance
  • Events up to 5 days and until midnight
  • Commercial General Liability limits to $1,000,000/$2,000,000
  • Minimum premiums from $250
  • Host liquor liability available for private events in certain states
  • Including private events, business events & events open to general public

Examples of Special Events (including but not limited to)

Anniversary Party
Christmas Fair
Antiques Fair
Church Events
Auction
Classical Folk/ Jazz Concert
Arts & Crafts
Family Reunion
Awards Presentations
Film Fair
Bar Bat Mitzvah
Food & Wine Fair
Barn Dance
Fund Raiser
Business Dinner/ Meeting
Non Profit Functions
Community Fun Day
Recitals
Educational Workshop
Receptions
Exhibition
Treasure Hunt
Gala
Weddings…and more…

 

Application Forms

PERSONAL COLLECTIONS/VALUABLE ARTICLES

AM Best Rating "A" (Excellent)

Unique Coverage for All Types of Collections

Collections are as unique as their Collectors. So why trust your matchless collection to traditional insurance coverage which doesn’t reflect the value of these personal items.
 
Providing insurance for Precious Collections isn’t just a hobby for us. We truly understand the labor of love you’ve put into your Precious Collection. Therefore, we offer broad solutions, including All Risk Coverage and mysterious disappearance for the variety of risk associated to your investment.

Our Areas of Expertise

  • Jewelry
  • Fire Art
  • Cameras
  • Coins
  • Stamps
  • Antique Guns
  • Furs
  • Musical Instruments
  • Sport Memorabilia

  • Unscheduled Personal Property in a Mini Storage Facility
  • Jewelry
  • Fire Art
  • Cameras
  • Coins
  • Stamps
  • Antique Guns
  • Furs
  • Musical Instruments
  • Sport Memorabilia
  • Wine

Coverages are a representation of what is available are subject to underwriting approval. Consult with your underwriter for more information.
 

Application Forms

HOMEOWNERS COVERAGE

Admitted & Non-Admitted Facilities available depending on risk characteristics
AM Best Rating "A" (Excellent)

Homeowners ISO Forms HO8 & HO3

  • Dwelling values from $75,000 to $25,000,000
  • RC Loss Settlement on HO3 form, Special Personal Property Coverage Available
  • Personal Liability limits up to $1,000,000
  • Ability to Schedule Valuable Articles by endorsement

General Guidelines

  • Protection Class 1-10 Acceptable
  • No credit check unless valuable articles are to be scheduled
  • Named Insured Can Be:
    • Individuals Name
    • Estate
    • Trust
    • LLC
    • Corporation

Application Forms

CONDOMINIUM COVERAGE

AM Best Rating "A" (Excellent)

Condominiums ISO Form HO6

  • $50,000 minimum TIV
  • $350 minimum Premium
  • Owner, rental & short term rental occupancies
  • Replacement Cost Loss Settlement
  • Coverage for Building Additions & Alternations
  • Ability to add up to $50,000 in loss assessment
  • Owner, rental & short term rental occupancies

General Guidelines

  • Protection Class 1-10 Acceptable
  • Named Insured Can Be:
    • Individuals Name
    • Estate
    • Trust
    • LLC
    • Corporation

Application Forms

RENTERS COVERAGE

AM Best Rating "A" (Excellent)

Renters Insurance ISO Form HO4

  • $20,000 minimum TIV
  • $250 minimum premium

General Guidelines

  • Protection Class 1-10 Acceptable
  • No credit check unless valuable articles are to be scheduled
  • Named Insured Can Be:
    • Individuals Name
    • Estate
    • Trust
    • LLC
    • Corporation

Application Forms

1–4 FAMILY TENANT DWELLING COVERAGE

AM Best Rating "A" (Excellent)

Dwelling Fire 1 & 3, ISO Dwelling Form3

  • Ability to schedule up to 10 locations on one policy
  • Single Family, Duplex, Triplex & Four-plex dwellings are acceptable
  • Short Term Rental Exposures Acceptable
  • Dwelling values $100,000 - $2,000,000 TIV
  • Premises liability limits up to $1,000,000

General Guidelines

  • Protection Class 1-10 Acceptable
  • No credit check unless valuable articles are to be scheduled
  • Named Insured Can Be:
    • Individuals Name
    • Estate
    • Trust
    • LLC
    • Corporation

Application Forms

VACANT DWELLING

AM Best Rating "A" (Excellent)

Benefits

  • Competitively priced
  • Instant coverage options & price indications
  • Immediate binding & policy issuance

Coverage

  • Monoline Property, Package (Property & Liability), Contents, and Multiple Locations including schedules available
  • Residential forms ISO DP1 & DP3
  • Commercial forms ISO Basic & Special- ACV & RCV
  • Building values up to $3,000,000
  • Residential Premises Liability Limits: Up to $1,000,000
  • Residential Premises Liability includes “Partnerships, Joint Ventures, Limited Liability Companies & Trusts”
  • Residential Liability coverage includes Swimming Pool Liability
  • Commercial Premises Liability Limits: up to $1,000,000/$2,000,000
  • Renovations: 50% of building value up to $400,000
  • Low minimum premiums
  • 3,6,9 or 12 month policies
  • Deductible form $500
  • Theft available in conjunction with V&MM on DP3/Special

Eligibility

  • Buildings secured against unauthorized entry
  • No buildings condemned or scheduled for demolition
  • No coverage for buildings in distressed areas
  • No coverage for buildings with existing damage
  • All subject to satisfactory photos or an inspection for risks exceeding $500,000

Application Forms

YACHT PRODUCT

AM Best Rating "A" (Excellent)

Small Yacht Policies Under 26'

A wakeboard boat or coastal cruiser, we know how to protect your investment with the best packages in the business. Minimum values as low as $30,000 with coastal or inland navigation available. All risk and replacement cost on partial losses.

Valuable Features of Small Yacht Policy

  • Agreed Value Policies
  • Marine Environmental Damage Coverage
  • Uninsured Boaters Protection
  • Emergency Towing and Assistance
  • High Liability Limits
  • Medical Payments up to $25,000
  • Trailer Coverage with low deductible
  • Water Sports Liability
  • Fish gear and sports equipment
  • 24 hour claims service

Yachts 26' to 80'

Just as there is not just one type or size vessel out there, different policies are needed to meet the varied needs of a yacht owner. Personal or Corporate yacht, even a charter vessel, we have a policy to fit your needs. Extended navigation limits are available as well. Talk to our staff with your requirements and concerns so that we can tailor a package just for you.

Valuable Features of Small Yacht Policy

  • Deductibles from $250 to 5% of insured value
  • Liability Limits to $5,000,000 (more with umbrella)
  • Personal Property
  • High Medical Payments
  • Fishing Tackle
  • Emergency Towing and Assistance
  • Electronics coverage with low deductible
  • Tenders coverage with low deductible
  • Environmental liability up to Statutory Limits
  • Charter or loss of use

Additional coverage is available under our Mega Yacht policy which provides crew coverage, carter and expanded navigational limits. Call us to discuss any custom needs you may have regarding this product line.

Application Forms

COURSE OF CONSTRUCTION

AM Best Rating "A" (Excellent)

Course of Construction

  • Single Projects with completed values up to $3,000,000
  • Residential and Commercial new construction up to three stories and 30,000 square feet
  • Basic & Special form with ACV/RCV options
  • Includes Soft Costs coverage
  • Includes Property In Transit and Off Site coverage
  • Protection classes 1 to 8 available
  • 3, 6, 9 or 12 month policies
  • V&MM available

Eligibility

  • No coverage for construction where work has already begun
  • Construction site locked & secured against unauthorized entry throughout the policy period when unattended
  • No coverage for buildings in distressed areas
  • No construction work involving demolition or underpinning of an existing building or structure, lead, asbestos or other pollutant abatement
  • No construction of modular, manufactured or mobile homes, earth homes, dome homes, open pier, stilt home, row or town homes, unique, green or experimental or any other non conventional building
  • Contractor maintains CGL insurance with a minimum $1,000,000 per occurrence

Application Forms