PIU can offer a variety of coverage options for your risks. Click on the boxes below to explore Personal Lines options in your state.
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers a wide range of standalone dwelling fire markets for a variety of occupancies. We have a home for secondary residences, vacation rentals, vacants, risks with previous losses, older homes and much more.
• Prior losses
• Older homes
• Protection class 1-10
• Admitted
• Direct Bill (AMIG)
• Online processing
• Any occupancy
American Modern Insurance Group | Program Highlights
Dwelling Basic
• Occupancy: vacant, seasonal, rental, owner, non-residential
• Home: no age limit, 1 to 4-family, fair or better condition, up to 3 stories, row homes, up to 10 on one policy
• Values: $20,000 (rental, owner) or $5,000 (vacant, seasonal, non-residence) to $500,000 or $1M (vacant)
• Included: other structures, reasonable repairs, debris removal, additional living expenses/fair rental value, fire dept. surcharge
• Options: water damage up to $10,000, personal or premises liability (includes prop. mgr.), landlord personal injury, personal property, theft with vandalism, burglary, vandalism, short term or occasional rental, home equipment breakdown, service line failure, ID recovery, builders risk
Dwelling Special
• Occupancy: owner, rental, seasonal, vacant
• Home: No age limit, 1 to 4-family, above average or better condition, up to 3 stories, row homes, up to 10 on one policy
• Value: $75,000 to $500,000 (owner, rental) or $1M (seasonal, vacant)
• Coverage: comprehensive (all risk) coverage, replacement cost settlement (or modified functional replacement cost) for dwelling and other structures, named peril coverage, ACV settlement for personal property upgrade to replacement cost
• Included: water damage at 10% Cov. A, other structures, reasonable repairs, debris removal, additional living expenses/fair rental value, fire dept. surcharge
• Options: water damage upgrade to 100% Cov. A, water backup/sump overflow, premises liability (includes prop. mgr.) landlord personal injury, personal property (can schedule), theft (seasonal), burglary, short term or occasional rental, home equipment breakdown, service line failure, ID recovery, ordinance or law.
American Modern Insurance Group
Rated A (admitted)
General Information
Our markets can place coverage for well-maintained manufactured homes in good condition showing pride of ownership. Coverage is also available on a by-line basis for homes on larger pieces of property, owners with multiple animals or other special circumstances. Our markets can write policies for the following mobile home uses:
• Primary
• Secondary / Seasonal
• Rental
• Tenant (HO4)
• Vacant
• Commercial (Limited)
American Modern Insurance Group | Program Highlights
• Occupancy: owner, rental, seasonal, vacant (via Dwelling basic), and tenant
• No age limit, single family, multi-sectional, modular home, tiny home, up to 25 on one policy
• Values: $5,000 to $300,000
• Coverage: comprehensive causes of loss, stated value settlement for total loss, ACV settlement for partial loss – upgrade to full repair or replacement cost for homes 30 years of age and newer, ACV settlement for personal property – upgrade to replacement cost
• Included: water damage at 100% Cov. A, theft, vandalism, loss of use, reasonable repairs, emergency removal, builders risk
• Options: water backup/sump overflow, persona or premises liability, personal property, other structures, enhanced coverage (increased limits), earthquake, vacancy permission, trip collision, home equipment breakdown, fire dept. surcharge, occasional rental, loss assessment, ID recovery, hobby farming, golf cart
• Extra: up to 30 days lapsed coverage allowed
Hot Spots
• Rental, owner
• Older insured
• Newer home
• No claims
American Modern Insurance Group
Rated A (admitted)
Markel American
Rated A (admitted)
General Information
Watercraft – Small Boat – High Performance – Yacht
Our personal watercraft program offers multiple coverage options from liability only coverage to a full package.
Flexible underwriting and numerous discounts are available to assist you in tailoring a policy to your insured’s needs.
American Modern Insurance Group | Program Highlights
Boat
• Types: bass/walleye, runabout, sport fish, performance, ski boat, sail boat, pontoon, houseboat, hovercraft, antique, wood hull, PWC – any boat less than 26 ft
• Coverage: full coverage (includes hull liability) or just liability – agreed value settlement, replacement cost or actual cash value
• Included: accidental fuel spill, under/uninsured boaters, watersports liability, wreck removal, pet protection, no use of after-market parts
• Options: hull damage (includes consequential damage, replacement for parts up to 10 years old, personal effects at $2,500, towing and emergency expenses at $250, 50% of haul out coverage at $500, choose a deductible between $100-$5,000), boat lift, bow to stern protection, genuine parts security, diminishing deductible, professional angler, chartered fishing guide, port risk, rental reimbursement, tournament fee reimbursement, trailer physical damage, travel loss reimbursement
• Extra: title may be held by an individual, trust, LLC or corporation, extensive navigation allowances
Yacht
• Types: cruiser, sport fish, performance, sail boat, pontoon from 27 to 64 ft., houseboat 27 ft. or greater
• Coverage: full coverage (includes hull, P&I) or just liability – agreed value settlement, replacement cost or actual cash value
• Included: accidental fuel spill, under/uninsured boaters, search and rescue, watersports liability, wreck removal, pet protection
• Options: hull damage (includes consequential damage, replacement parts up to 10 years old, personal effects at $5,000, towing and emergency expenses at $1,000, 50% of haul out coverage at $500, $3,000 for unscheduled dinghy, choose a deductible between 1 and 10%), boat lift, bow to stern protection, captain and crew, chartered fishing guide, diminishing deductible, extended navigation, parts replacement for parts up to 15 or 20 years old, genuine parts security, liveaboard, nautical collectibles, occasional charter, port risk, professional angler, rental reimbursement, tournament fee reimbursement, trailer physical damage, travel loss reimbursement, bareboat rental
• Extra: title may be held by an individual, trust, LLC or corporation, extensive navigation allowances including the Bahamas, Caribbean and Mexico
Markel American | Program Highlights
Small Boat (available for online quoting)
Watercraft 26’ and under
• Most watercraft types accepted
• No age limitation
• Agreed value or ACV settlement
• Replacement cost settlement for boats up to 3 years of age
• Diminishing deductible for each loss-free term
• Liability up to $1M
• Included (higher limits available):
• Medical payments: $1K
• Emergency towing: $500
• Personal effects: $1K
• Optional coverages:
• Trailer
• Boat lift
• Primary fishing coverage
• Professional angler liability
• Discounts: boating safety course, multi-unit, safety equipment, outboard propulsion
Yacht
Pleasure craft, liveaboard, bareboat, limited charter, multi-owner
• Watercraft 26’ and over
• Agreed value settlement for total loss
• Replacement cost settlement for most partial losses
• High protection & indemnity limits
• P&I only option available
• Included (higher limits available):
• Personal effects: $2,500
• Emergency towing: $750
• Medical payments: $10K
• Rental reimbursement: $1K
• Jones act protection
• Optional coverages:
• Trip coverage
• Trip interruption
• Trailer, boat lift, boat house
• Primary fishing coverage
• Discounts: Lay-up during off season, windstorm exclusion, ACV settlement, higher deductiblesHigh Performance
Watercraft 26’ and over
• Watercraft speeds from 65 to 120 mph
• Agreed value settlement for total loss
• Liability up to $1M
• Wreck removal included with hull & equipment coverage
• Included (higher limits available):
• Personal effects: $1K
• Windstorm extra expense: $1K
• Medical payments: $1K
• Emergency towing: $750
• Optional coverages:
• Trip
• Trailer
• Transit & storage
• Boat lift & boat house
• Discounts: safety equipment, safety school, mature operator, watercraft speeds up to 85mph, ACV settlement type
Commercial Marine
Owner/Operator
• Commercial Fishermen
• Artisans
• Weed-Eaters
• Transit and Storage Risks
• Real Estate Tours
Passenger Carrying
• Captained Charters
• Bareboat Charters
• Professional Anglers
• Boat Clubs
• Environmental Site
• Inspection Cleanup
Rental Operations
• Sailboats, Canoes, Kayaks
• Peddle Boats, Water Bikes
• PWCs, Runabouts, Ski Boats
• Powerboats, Houseboats
Hull Coverage to $1 million
• Agreed value (for most boats)
• Personal Property
• Towing
• Watercraft Liability
• Medical Payments
• Watersport Liability
• Pollution Liability
• Crew Liability (charter boats only)
• Uninsured Boater
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers a competitive collector vehicle option through American Modern Insurance Group. With one of the most inclusive collector car programs in the industry, coverage is offered for all types of collectors, vehicles, operators, and values.
American Modern Insurance Group | Program Highlights
An agreed value total loss settlement and low mileage plans are available. Why pay for an unlimited mileage plan when you don’t need all those miles?
Direct Bill
• American Modern Low mileage plans available
• Agreed value loss settlement option
• AM Best “A+ Superior” rated
• Discounts available
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers standalone dwelling fire markets for a variety of occupancies. We have a home for secondary residences, vacation rentals, vacants, risks with previous losses, older homes and much more.
• Prior losses
• Older homes
• Protection class 1-10
• Admitted
• Direct Bill (AMIG)
• Online processing
• Any occupancy
American Modern Insurance Group | Program Highlights
Dwelling Fire (DP-2)
• Occupancy: vacant, rental, seasonal, owner
• No age limit on home
• Up to 4-family dwelling
• Vacant: dwelling, manufactured home ($5,000 min.)
• Values: $20,000 to $200,000
• Named peril coverage
• ACV settlement
• Included: other structures, reasonable repairs, loss of use/rent, fire dept surcharge
• Options: liability, personal property, vandalism, vacancy permission, short-term rental, occasional rental
• Coverage A can be written for standalone structures such as a pole barn, camping shelter, covered boat slip
Hot Spots
• Older homes
• Values under $100,000
• Protection classes 1 to 4
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers homeowner options for all types of situations. We can cover High Value Homes, homes with previous losses, homes close to brush exposure, older homes and much more. Most programs are direct bill, admitted options but, we also offer non-admitted options for more complicated risks.
• High Value
• Prior Losses
• Older Homes
• High Protection Class
• Online Processing
• Direct Bill
American Modern Insurance Group | Program Highlights
Specialty Homeowners (HO-10)
• Occupancy: seasonal, owner
• Homes aged 80 or newer (60 for replacement cost coverage), roof 20 years or newer
• Single or 2-family dwelling
• Values: $40,000 to $500,000
• Named peril coverage – can expand to Broad Form
• ACV settlement with option for full repair cost
• Included: liability, personal property, vandalism, burglary, other structures, loss of use, reasonable repairs
• Options: enhanced coverage, breakdown, ID recovery
American Modern Insurance Group
Rated A (admitted)
General Information
Our markets can place coverage for well-maintained manufactured homes in good condition showing pride of ownership. Coverage is also available on a by-line basis for homes on larger pieces of property, owners with multiple animals or other special circumstances. Our markets can write policies for the following mobile home uses:
• Primary
• Secondary / Seasonal
• Rental
• Tenant (HO4)
• Vacant
• Commercial (Limited)
American Modern Insurance Group | Program Highlights
• Occupancy: owner, rental, seasonal, vacant
• No age limit on home
• Single family
• Values: up to $400,000
• Comprehensive coverage
• Stated value settlement for total loss – can upgrade to replacement for homes up to 30 years
• ACV for partial loss – can upgrade to replacement cost
• Included: liability, personal property, other structures, loss of use/rent, reasonable repairs, emergency removal, fire dept charge
• Options: mechanical breakdown of systems and appliances, builder’s risk, earthquake, ID recovery
Hot Spots
• Rental, owner
• Older insured
• Newer home
• No claims
American Modern Insurance Group
Rated A (admitted)
General Information
Our personal watercraft program offers multiple coverage options from liability only coverage to a full package. Flexible underwriting and numerous discounts are available to assist you in tailoring a policy to your insured’s needs.
Watercraft – Small Boat – High Performance – Yacht
American Modern Insurance Group | Program Highlights
Watercraft
• Most boat types accepted
• Up to 64 ft (125 ft houseboat) and up to 70 m.p.h.
• Full coverage or liability only
• Agreed value settlement for boats up to 10 years
• Optional replacement cost for boats up to 3 years
• ACV settlement for boats 11 years or older
• Included: $1,000 medical payments, can increase to $25,000
• Packaged options: under/uninsured watercraft, non-owned watercraft liability, personal effects, emergency assistance and towing
• Separate options: water sport liability, trailer, boat lift
• Discounts: ownership experience, no claims renewal, policy transfer, diesel fuel
Hot Spots
• Bass boat, houseboat, pontoon, trawler
• Personal watercraft (ex. Jet Ski® or WaveRunner®)
• More than 3 years ownership experience
American Modern Insurance Group
Rated A (admitted)
General Information
American Modern Insurance Group | Program Highlights
• All bike types, plus off-road ATV, scooter, golf cart, GEM cars
• Full coverage, comp/liability, or just liability
• Replacement cost optional for bikes 2 years or newer
• Liability limits up to $250/$500
• Most driving records
• Included: $3,000 accessories ($1,000 for off-road), can increase to $15,000
• Options: travel loss reimbursement, rental reimbursement, transport trailer
• Discounts: transfer, homeowner, safety course, multiple units, no claims renewal
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers a competitive collector vehicle option through American Modern Insurance Group. With one of the most inclusive collector car programs in the industry, coverage is offered for all types of collectors, vehicles, operators, and values.
American Modern Insurance Group | Program Highlights
An agreed value total loss settlement and low mileage plans are available. Why pay for an unlimited mileage plan when you don’t need all those miles?
Direct Bill
• American Modern Low mileage plans available
• Agreed value loss settlement option
• AM Best “A+ Superior” rated
• Discounts available
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers standalone dwelling fire markets for a variety of occupancies. We have a home for secondary residences, vacation rentals, vacants, risks with previous losses, older homes and much more.
• Prior losses
• Older homes
• Protection class 1-10
• Admitted
• Direct Bill (AMIG)
• Online processing
• Any occupancy
American Modern Insurance Group | Program Highlights
Dwelling Fire (DP-2)
• Occupancy: vacant, rental, seasonal, owner
• No age limit on home
• Up to 4-family dwelling
• Vacant: dwelling, manufactured home ($5,000 min.)
• Values: $20,000 to $200,000
• Named peril coverage
• ACV settlement
• Included: other structures, reasonable repairs, loss of use/rent, fire dept surcharge
• Options: liability, personal property, vandalism, vacancy permission, short-term rental, occasional rental
• Coverage A can be written for standalone structures such as a pole barn, camping shelter, covered boat slip
Hot Spots
• Older homes
• Values under $100,000
• Protection classes 1 to 4
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers homeowner options for all types of situations. We can cover High Value Homes, homes with previous losses, homes close to brush exposure, older homes and much more. Most programs are direct bill, admitted options but, we also offer non-admitted options for more complicated risks.
• High Value
• Prior Losses
• Older Homes
• High Protection Class
• Online Processing
• Direct Bill
American Modern Insurance Group | Program Highlights
Specialty Homeowners (HO-10)
• Occupancy: seasonal, owner
• Homes aged 80 or newer (60 for replacement cost coverage), roof 20 years or newer
• Single or 2-family dwelling
• Values: $40,000 to $500,000
• Named peril coverage – can expand to Broad Form
• ACV settlement with option for full repair cost
• Included: liability, personal property, vandalism, burglary, other structures, loss of use, reasonable repairs
• Options: enhanced coverage, breakdown, ID recovery
American Modern Insurance Group
Rated A (admitted)
General Information
Our markets can place coverage for well-maintained manufactured homes in good condition showing pride of ownership. Coverage is also available on a by-line basis for homes on larger pieces of property, owners with multiple animals or other special circumstances. Our markets can write policies for the following mobile home uses:
• Primary
• Secondary / Seasonal
• Rental
• Tenant (HO4)
• Vacant
• Commercial (Limited)
American Modern Insurance Group | Program Highlights
• Occupancy: owner, rental, seasonal, vacant
• No age limit on home
• Single family
• Values: up to $400,000
• Comprehensive coverage
• Stated value settlement for total loss – can upgrade to replacement for homes up to 30 years
• ACV for partial loss – can upgrade to replacement cost
• Included: liability, personal property, other structures, loss of use/rent, reasonable repairs, emergency removal, fire dept charge
• Options: mechanical breakdown of systems and appliances, builder’s risk, earthquake, ID recovery
Hot Spots
• Rental, owner
• Older insured
• Newer home
• No claims
American Modern Insurance Group
Rated A (admitted)
General Information
Our personal watercraft program offers multiple coverage options from liability only coverage to a full package. Flexible underwriting and numerous discounts are available to assist you in tailoring a policy to your insured’s needs.
Watercraft – Small Boat – High Performance – Yacht
American Modern Insurance Group | Program Highlights
Watercraft
• Most boat types accepted
• Up to 64 ft (125 ft houseboat) and up to 70 m.p.h.
• Full coverage or liability only
• Agreed value settlement for boats up to 10 years
• Optional replacement cost for boats up to 3 years
• ACV settlement for boats 11 years or older
• Included: $1,000 medical payments, can increase to $25,000
• Packaged options: under/uninsured watercraft, non-owned watercraft liability, personal effects, emergency assistance and towing
• Separate options: water sport liability, trailer, boat lift
• Discounts: ownership experience, no claims renewal, policy transfer, diesel fuel
Hot Spots
• Ski boats
• Bass boats
• More than 15 years ownership experience
Yacht
• Up to $1 million in value
• Consequential damage included
• Full coverage or liability only
• No age restriction
• Houseboats up to 125 feet
• Agreed value settlement, optional ACV settlement
• Accidental spill pollution
• Yacht Plus endorsement: Longshore and Harbor Workers Compensation Act coverage, personal effects/fishing gear ($10,000), emergency assistance and towing ($2,500), search and rescue ($10,000), travel loss reimbursement (up to $1,000/day with $10,000 annual limit), medical payments (up to $25,000)
• Separate options: trailer, replacement cost on parts up to 10 years old
• Discounts: ownership experience, diesel fuel, claims free renewal, policy transfer
Hot Spots
• Yachts less than 15 years old
• More than 15 years of ownership experience
American Modern Insurance Group
Rated A (admitted)
American Modern Insurance Group | Program Highlights
• All bike types, plus off-road ATV, scooter, golf cart, GEM cars
• Full coverage, comp/liability, or just liability
• Replacement cost optional for bikes 2 years or newer
• Liability limits up to $250/$500
• Most driving records
• Included: $3,000 accessories ($1,000 for off-road), can increase to $15,000
• Options: replacement cost, travel loss reimbursement, rental reimbursement, transport trailer
• Discounts: good driver, no lapse after 12 consecutive months, mature driver, safety course, multiple units
Hot Spots
• Cruiser class
• Golf cart
• Bikes 3 years or older
• Married insured aged 40 or older
• Insured with higher credit score
• Experienced rider
• Homeowner
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers a competitive collector vehicle option through American Modern Insurance Group. With one of the most inclusive collector car programs in the industry, coverage is offered for all types of collectors, vehicles, operators, and values.
American Modern Insurance Group | Program Highlights
An agreed value total loss settlement and low mileage plans are available. Why pay for an unlimited mileage plan when you don’t need all those miles?
Direct Bill
• American Modern Low mileage plans available
• Agreed value loss settlement option
• AM Best “A+ Superior” rated
• Discounts available
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers a competitive collector vehicle option through American Modern Insurance Group. With one of the most inclusive collector car programs in the industry, coverage is offered for all types of collectors, vehicles, operators, and values.
American Modern Insurance Group | Program Highlights
An agreed value total loss settlement and low mileage plans are available. Why pay for an unlimited mileage plan when you don’t need all those miles?
Direct Bill
• American Modern Low mileage plans available
• Agreed value loss settlement option
• AM Best “A+ Superior” rated
• Discounts available
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers homeowner options for all types of situations. We can cover High Value Homes, homes with previous losses, homes close to brush exposure, older homes and much more. Most programs are direct bill, admitted options but, we also offer non-admitted options for more complicated risks.
• High Value
• Prior Losses
• Older Homes
• High Protection Class
• Online Processing
• Direct Bill
American Modern Insurance Group | Program Highlights
Specialty Homeowners (HO-10)
• Occupancy: seasonal, owner
• Homes aged 80 or newer (60 for replacement cost coverage), roof 20 years or newer
• Single or 2-family dwelling
• Values: $40,000 to $500,000
• Named peril coverage – can expand to Broad Form
• ACV settlement with option for full repair cost
• Included: liability, personal property, vandalism, burglary, other structures, loss of use, reasonable repairs
• Options: enhanced coverage, breakdown, ID recovery
American Modern Insurance Group
Rated A (admitted)
General Information
Our markets can place coverage for well-maintained manufactured homes in good condition showing pride of ownership. Coverage is also available on a by-line basis for homes on larger pieces of property, owners with multiple animals or other special circumstances. Our markets can write policies for the following mobile home uses:
• Primary
• Secondary / Seasonal
• Rental
• Tenant (HO4)
• Vacant
• Commercial (Limited)
American Modern Insurance Group | Program Highlights
• Occupancy: owner, rental, seasonal, vacant
• No age limit on home
• Single family
• Values: up to $400,000
• Comprehensive coverage
• Stated value settlement for total loss – can upgrade to replacement for homes up to 30 years
• ACV for partial loss – can upgrade to replacement cost
• Included: liability, personal property, other structures, loss of use/rent, reasonable repairs, emergency removal, fire dept charge
• Options: mechanical breakdown of systems and appliances, builder’s risk, earthquake, ID recovery
Hot Spots
• Rental, owner
• Older insured
• Newer home
• No claims
American Modern Insurance Group
Rated A (admitted)
Markel American
Rated A (admitted)
General Information
Watercraft – Small Boat – High Performance – Yacht
Our personal watercraft program offers multiple coverage options from liability only coverage to a full package.
Flexible underwriting and numerous discounts are available to assist you in tailoring a policy to your insured’s needs.
American Modern Insurance Group | Program Highlights
Boat
• Types: bass/walleye, runabout, sport fish, performance, ski boat, sail boat, pontoon, houseboat, hovercraft, antique, wood hull, PWC – any boat less than 26 ft
• Coverage: full coverage (includes hull liability) or just liability – agreed value settlement, replacement cost or actual cash value
• Included: accidental fuel spill, under/uninsured boaters, watersports liability, wreck removal, pet protection, no use of after-market parts
• Options: hull damage (includes consequential damage, replacement for parts up to 10 years old, personal effects at $2,500, towing and emergency expenses at $250, 50% of haul out coverage at $500, choose a deductible between $100-$5,000), boat lift, bow to stern protection, genuine parts security, diminishing deductible, professional angler, chartered fishing guide, port risk, rental reimbursement, tournament fee reimbursement, trailer physical damage, travel loss reimbursement
• Extra: title may be held by an individual, trust, LLC or corporation, extensive navigation allowances
Yacht
• Types: cruiser, sport fish, performance, sail boat, pontoon from 27 to 64 ft., houseboat 27 ft. or greater
• Coverage: full coverage (includes hull, P&I) or just liability – agreed value settlement, replacement cost or actual cash value
• Included: accidental fuel spill, under/uninsured boaters, search and rescue, watersports liability, wreck removal, pet protection
• Options: hull damage (includes consequential damage, replacement parts up to 10 years old, personal effects at $5,000, towing and emergency expenses at $1,000, 50% of haul out coverage at $500, $3,000 for unscheduled dinghy, choose a deductible between 1 and 10%), boat lift, bow to stern protection, captain and crew, chartered fishing guide, diminishing deductible, extended navigation, parts replacement for parts up to 15 or 20 years old, genuine parts security, liveaboard, nautical collectibles, occasional charter, port risk, professional angler, rental reimbursement, tournament fee reimbursement, trailer physical damage, travel loss reimbursement, bareboat rental
• Extra: title may be held by an individual, trust, LLC or corporation, extensive navigation allowances including the Bahamas, Caribbean and Mexico
Markel American | Program Highlights
Small Boat (available for online quoting)
Watercraft 26’ and under
• Most watercraft types accepted
• No age limitation
• Agreed value or ACV settlement
• Replacement cost settlement for boats up to 3 years of age
• Diminishing deductible for each loss-free term
• Liability up to $1M
• Included (higher limits available):
• Medical payments: $1K
• Emergency towing: $500
• Personal effects: $1K
• Optional coverages:
• Trailer
• Boat lift
• Primary fishing coverage
• Professional angler liability
• Discounts: boating safety course, multi-unit, safety equipment, outboard propulsion
Yacht
Pleasure craft, liveaboard, bareboat, limited charter, multi-owner
• Watercraft 26’ and over
• Agreed value settlement for total loss
• Replacement cost settlement for most partial losses
• High protection & indemnity limits
• P&I only option available
• Included (higher limits available):
• Personal effects: $2,500
• Emergency towing: $750
• Medical payments: $10K
• Rental reimbursement: $1K
• Jones act protection
• Optional coverages:
• Trip coverage
• Trip interruption
• Trailer, boat lift, boat house
• Primary fishing coverage
• Discounts: Lay-up during off season, windstorm exclusion, ACV settlement, higher deductiblesHigh Performance
Watercraft 26’ and over
• Watercraft speeds from 65 to 120 mph
• Agreed value settlement for total loss
• Liability up to $1M
• Wreck removal included with hull & equipment coverage
• Included (higher limits available):
• Personal effects: $1K
• Windstorm extra expense: $1K
• Medical payments: $1K
• Emergency towing: $750
• Optional coverages:
• Trip
• Trailer
• Transit & storage
• Boat lift & boat house
• Discounts: safety equipment, safety school, mature operator, watercraft speeds up to 85mph, ACV settlement type
Commercial Marine
Owner/Operator
• Commercial Fishermen
• Artisans
• Weed-Eaters
• Transit and Storage Risks
• Real Estate Tours
Passenger Carrying
• Captained Charters
• Bareboat Charters
• Professional Anglers
• Boat Clubs
• Environmental Site
• Inspection Cleanup
Rental Operations
• Sailboats, Canoes, Kayaks
• Peddle Boats, Water Bikes
• PWCs, Runabouts, Ski Boats
• Powerboats, Houseboats
Hull Coverage to $1 million
• Agreed value (for most boats)
• Personal Property
• Towing
• Watercraft Liability
• Medical Payments
• Watersport Liability
• Pollution Liability
• Crew Liability (charter boats only)
• Uninsured Boater
American Modern Insurance Group
Rated A (admitted)
General Information
American Modern Insurance Group | Program Highlights
• All bike types, plus off-road ATV, scooter, golf cart, GEM cars
• Full coverage, comp/liability, or just liability
• Replacement cost optional for bikes 2 years or newer
• Liability limits up to $250/$500
• Most driving records
• Included: $3,000 accessories ($1,000 for off-road), can increase to $15,000
• Options: travel loss reimbursement, rental reimbursement, transport trailer
• Discounts: transfer, homeowner, safety course, multiple units, no claims renewal
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers a competitive collector vehicle option through American Modern Insurance Group. With one of the most inclusive collector car programs in the industry, coverage is offered for all types of collectors, vehicles, operators, and values.
American Modern Insurance Group | Program Highlights
An agreed value total loss settlement and low mileage plans are available. Why pay for an unlimited mileage plan when you don’t need all those miles?
Direct Bill
• American Modern Low mileage plans available
• Agreed value loss settlement option
• AM Best “A+ Superior” rated
• Discounts available
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers a competitive collector vehicle option through American Modern Insurance Group. With one of the most inclusive collector car programs in the industry, coverage is offered for all types of collectors, vehicles, operators, and values.
American Modern Insurance Group | Program Highlights
An agreed value total loss settlement and low mileage plans are available. Why pay for an unlimited mileage plan when you don’t need all those miles?
Direct Bill
• American Modern Low mileage plans available
• Agreed value loss settlement option
• AM Best “A+ Superior” rated
• Discounts available
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers homeowner options for all types of situations. We can cover High Value Homes, homes with previous losses, homes close to brush exposure, older homes and much more. Most programs are direct bill, admitted options but, we also offer non-admitted options for more complicated risks.
• High Value
• Prior Losses
• Older Homes
• High Protection Class
• Online Processing
• Direct Bill
American Modern Insurance Group | Program Highlights
Specialty Homeowners (HO-10)
• Occupancy: seasonal, owner
• Homes aged 80 or newer (60 for replacement cost coverage), roof 20 years or newer
• Single or 2-family dwelling
• Values: $40,000 to $500,000
• Named peril coverage – can expand to Broad Form
• ACV settlement with option for full repair cost
• Included: liability, personal property, vandalism, burglary, other structures, loss of use, reasonable repairs
• Options: enhanced coverage, breakdown, ID recovery
American Modern Insurance Group
Rated A (admitted)
General Information
Our markets can place coverage for well-maintained manufactured homes in good condition showing pride of ownership. Coverage is also available on a by-line basis for homes on larger pieces of property, owners with multiple animals or other special circumstances. Our markets can write policies for the following mobile home uses:
• Primary
• Secondary / Seasonal
• Rental
• Tenant (HO4)
• Vacant
• Commercial (Limited)
American Modern Insurance Group | Program Highlights
• Occupancy: owner, rental, seasonal, vacant
• No age limit on home
• Single family
• Values: up to $400,000
• Comprehensive coverage
• Stated value settlement for total loss – can upgrade to replacement for homes up to 30 years
• ACV for partial loss – can upgrade to replacement cost
• Included: liability, personal property, other structures, loss of use/rent, reasonable repairs, emergency removal, fire dept charge
• Options: mechanical breakdown of systems and appliances, builder’s risk, earthquake, ID recovery
Hot Spots
• Rental, owner
• Older insured
• Newer home
• No claims
American Modern Insurance Group
Rated A (admitted)
Markel American
Rated A (admitted)
General Information
Watercraft – Small Boat – High Performance – Yacht
Our personal watercraft program offers multiple coverage options from liability only coverage to a full package.
Flexible underwriting and numerous discounts are available to assist you in tailoring a policy to your insured’s needs.
American Modern Insurance Group | Program Highlights
Boat
• Types: bass/walleye, runabout, sport fish, performance, ski boat, sail boat, pontoon, houseboat, hovercraft, antique, wood hull, PWC – any boat less than 26 ft
• Coverage: full coverage (includes hull liability) or just liability – agreed value settlement, replacement cost or actual cash value
• Included: accidental fuel spill, under/uninsured boaters, watersports liability, wreck removal, pet protection, no use of after-market parts
• Options: hull damage (includes consequential damage, replacement for parts up to 10 years old, personal effects at $2,500, towing and emergency expenses at $250, 50% of haul out coverage at $500, choose a deductible between $100-$5,000), boat lift, bow to stern protection, genuine parts security, diminishing deductible, professional angler, chartered fishing guide, port risk, rental reimbursement, tournament fee reimbursement, trailer physical damage, travel loss reimbursement
• Extra: title may be held by an individual, trust, LLC or corporation, extensive navigation allowances
Yacht
• Types: cruiser, sport fish, performance, sail boat, pontoon from 27 to 64 ft., houseboat 27 ft. or greater
• Coverage: full coverage (includes hull, P&I) or just liability – agreed value settlement, replacement cost or actual cash value
• Included: accidental fuel spill, under/uninsured boaters, search and rescue, watersports liability, wreck removal, pet protection
• Options: hull damage (includes consequential damage, replacement parts up to 10 years old, personal effects at $5,000, towing and emergency expenses at $1,000, 50% of haul out coverage at $500, $3,000 for unscheduled dinghy, choose a deductible between 1 and 10%), boat lift, bow to stern protection, captain and crew, chartered fishing guide, diminishing deductible, extended navigation, parts replacement for parts up to 15 or 20 years old, genuine parts security, liveaboard, nautical collectibles, occasional charter, port risk, professional angler, rental reimbursement, tournament fee reimbursement, trailer physical damage, travel loss reimbursement, bareboat rental
• Extra: title may be held by an individual, trust, LLC or corporation, extensive navigation allowances including the Bahamas, Caribbean and Mexico
Markel American | Program Highlights
Small Boat (available for online quoting)
Watercraft 26’ and under
• Most watercraft types accepted
• No age limitation
• Agreed value or ACV settlement
• Replacement cost settlement for boats up to 3 years of age
• Diminishing deductible for each loss-free term
• Liability up to $1M
• Included (higher limits available):
• Medical payments: $1K
• Emergency towing: $500
• Personal effects: $1K
• Optional coverages:
• Trailer
• Boat lift
• Primary fishing coverage
• Professional angler liability
• Discounts: boating safety course, multi-unit, safety equipment, outboard propulsion
Yacht
Pleasure craft, liveaboard, bareboat, limited charter, multi-owner
• Watercraft 26’ and over
• Agreed value settlement for total loss
• Replacement cost settlement for most partial losses
• High protection & indemnity limits
• P&I only option available
• Included (higher limits available):
• Personal effects: $2,500
• Emergency towing: $750
• Medical payments: $10K
• Rental reimbursement: $1K
• Jones act protection
• Optional coverages:
• Trip coverage
• Trip interruption
• Trailer, boat lift, boat house
• Primary fishing coverage
• Discounts: Lay-up during off season, windstorm exclusion, ACV settlement, higher deductiblesHigh Performance
Watercraft 26’ and over
• Watercraft speeds from 65 to 120 mph
• Agreed value settlement for total loss
• Liability up to $1M
• Wreck removal included with hull & equipment coverage
• Included (higher limits available):
• Personal effects: $1K
• Windstorm extra expense: $1K
• Medical payments: $1K
• Emergency towing: $750
• Optional coverages:
• Trip
• Trailer
• Transit & storage
• Boat lift & boat house
• Discounts: safety equipment, safety school, mature operator, watercraft speeds up to 85mph, ACV settlement type
Commercial Marine
Owner/Operator
• Commercial Fishermen
• Artisans
• Weed-Eaters
• Transit and Storage Risks
• Real Estate Tours
Passenger Carrying
• Captained Charters
• Bareboat Charters
• Professional Anglers
• Boat Clubs
• Environmental Site
• Inspection Cleanup
Rental Operations
• Sailboats, Canoes, Kayaks
• Peddle Boats, Water Bikes
• PWCs, Runabouts, Ski Boats
• Powerboats, Houseboats
Hull Coverage to $1 million
• Agreed value (for most boats)
• Personal Property
• Towing
• Watercraft Liability
• Medical Payments
• Watersport Liability
• Pollution Liability
• Crew Liability (charter boats only)
• Uninsured Boater
American Modern Insurance Group
Rated A (admitted)
General Information
American Modern Insurance Group | Program Highlights
• All bike types, plus off-road ATV, scooter, golf cart, GEM cars
• Full coverage, comp/liability, or just liability
• Replacement cost optional for bikes 2 years or newer
• Liability limits up to $250/$500
• Most driving records
• Included: $3,000 accessories ($1,000 for off-road), can increase to $15,000
• Options: travel loss reimbursement, rental reimbursement, transport trailer
• Discounts: transfer, homeowner, safety course, multiple units, no claims renewal
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers a competitive collector vehicle option through American Modern Insurance Group. With one of the most inclusive collector car programs in the industry, coverage is offered for all types of collectors, vehicles, operators, and values.
American Modern Insurance Group | Program Highlights
An agreed value total loss settlement and low mileage plans are available. Why pay for an unlimited mileage plan when you don’t need all those miles?
Direct Bill
• American Modern Low mileage plans available
• Agreed value loss settlement option
• AM Best “A+ Superior” rated
• Discounts available
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers a competitive collector vehicle option through American Modern Insurance Group. With one of the most inclusive collector car programs in the industry, coverage is offered for all types of collectors, vehicles, operators, and values.
American Modern Insurance Group | Program Highlights
An agreed value total loss settlement and low mileage plans are available. Why pay for an unlimited mileage plan when you don’t need all those miles?
Direct Bill
• American Modern Low mileage plans available
• Agreed value loss settlement option
• AM Best “A+ Superior” rated
• Discounts available
American Modern Insurance Group
Rated A (admitted)
General Information
PIU offers homeowner options for all types of situations. We can cover High Value Homes, homes with previous losses, homes close to brush exposure, older homes and much more. Most programs are direct bill, admitted options but, we also offer non-admitted options for more complicated risks.
• High Value
• Prior Losses
• Older Homes
• High Protection Class
• Online Processing
• Direct Bill
American Modern Insurance Group | Program Highlights
Specialty Homeowners (HO-10)
• Occupancy: seasonal, owner
• Homes aged 80 or newer (60 for replacement cost coverage), roof 20 years or newer
• Single or 2-family dwelling
• Values: $40,000 to $500,000
• Named peril coverage – can expand to Broad Form
• ACV settlement with option for full repair cost
• Included: liability, personal property, vandalism, burglary, other structures, loss of use, reasonable repairs
• Options: enhanced coverage, breakdown, ID recovery
American Modern Insurance Group
Rated A (admitted)
General Information
Our markets can place coverage for well-maintained manufactured homes in good condition showing pride of ownership. Coverage is also available on a by-line basis for homes on larger pieces of property, owners with multiple animals or other special circumstances. Our markets can write policies for the following mobile home uses:
• Primary
• Secondary / Seasonal
• Rental
• Tenant (HO4)
• Vacant
• Commercial (Limited)
American Modern Insurance Group | Program Highlights
• Occupancy: owner, rental, seasonal, vacant
• No age limit on home
• Single family
• Values: up to $400,000
• Comprehensive coverage
• Stated value settlement for total loss – can upgrade to replacement for homes up to 30 years
• ACV for partial loss – can upgrade to replacement cost
• Included: liability, personal property, other structures, loss of use/rent, reasonable repairs, emergency removal, fire dept charge
• Options: mechanical breakdown of systems and appliances, builder’s risk, earthquake, ID recovery
Hot Spots
• Rental, owner
• Older insured
• Newer home
• No claims
American Modern Insurance Group
Rated A (admitted)
Markel American
Rated A (admitted)
General Information
Watercraft – Small Boat – High Performance – Yacht
Our personal watercraft program offers multiple coverage options from liability only coverage to a full package.
Flexible underwriting and numerous discounts are available to assist you in tailoring a policy to your insured’s needs.
American Modern Insurance Group | Program Highlights
Boat
• Types: bass/walleye, runabout, sport fish, performance, ski boat, sail boat, pontoon, houseboat, hovercraft, antique, wood hull, PWC – any boat less than 26 ft
• Coverage: full coverage (includes hull liability) or just liability – agreed value settlement, replacement cost or actual cash value
• Included: accidental fuel spill, under/uninsured boaters, watersports liability, wreck removal, pet protection, no use of after-market parts
• Options: hull damage (includes consequential damage, replacement for parts up to 10 years old, personal effects at $2,500, towing and emergency expenses at $250, 50% of haul out coverage at $500, choose a deductible between $100-$5,000), boat lift, bow to stern protection, genuine parts security, diminishing deductible, professional angler, chartered fishing guide, port risk, rental reimbursement, tournament fee reimbursement, trailer physical damage, travel loss reimbursement
• Extra: title may be held by an individual, trust, LLC or corporation, extensive navigation allowances
Yacht
• Types: cruiser, sport fish, performance, sail boat, pontoon from 27 to 64 ft., houseboat 27 ft. or greater
• Coverage: full coverage (includes hull, P&I) or just liability – agreed value settlement, replacement cost or actual cash value
• Included: accidental fuel spill, under/uninsured boaters, search and rescue, watersports liability, wreck removal, pet protection
• Options: hull damage (includes consequential damage, replacement parts up to 10 years old, personal effects at $5,000, towing and emergency expenses at $1,000, 50% of haul out coverage at $500, $3,000 for unscheduled dinghy, choose a deductible between 1 and 10%), boat lift, bow to stern protection, captain and crew, chartered fishing guide, diminishing deductible, extended navigation, parts replacement for parts up to 15 or 20 years old, genuine parts security, liveaboard, nautical collectibles, occasional charter, port risk, professional angler, rental reimbursement, tournament fee reimbursement, trailer physical damage, travel loss reimbursement, bareboat rental
• Extra: title may be held by an individual, trust, LLC or corporation, extensive navigation allowances including the Bahamas, Caribbean and Mexico
Markel American | Program Highlights
Small Boat (available for online quoting)
Watercraft 26’ and under
• Most watercraft types accepted
• No age limitation
• Agreed value or ACV settlement
• Replacement cost settlement for boats up to 3 years of age
• Diminishing deductible for each loss-free term
• Liability up to $1M
• Included (higher limits available):
• Medical payments: $1K
• Emergency towing: $500
• Personal effects: $1K
• Optional coverages:
• Trailer
• Boat lift
• Primary fishing coverage
• Professional angler liability
• Discounts: boating safety course, multi-unit, safety equipment, outboard propulsion
Yacht
Pleasure craft, liveaboard, bareboat, limited charter, multi-owner
• Watercraft 26’ and over
• Agreed value settlement for total loss
• Replacement cost settlement for most partial losses
• High protection & indemnity limits
• P&I only option available
• Included (higher limits available):
• Personal effects: $2,500
• Emergency towing: $750
• Medical payments: $10K
• Rental reimbursement: $1K
• Jones act protection
• Optional coverages:
• Trip coverage
• Trip interruption
• Trailer, boat lift, boat house
• Primary fishing coverage
• Discounts: Lay-up during off season, windstorm exclusion, ACV settlement, higher deductiblesHigh Performance
Watercraft 26’ and over
• Watercraft speeds from 65 to 120 mph
• Agreed value settlement for total loss
• Liability up to $1M
• Wreck removal included with hull & equipment coverage
• Included (higher limits available):
• Personal effects: $1K
• Windstorm extra expense: $1K
• Medical payments: $1K
• Emergency towing: $750
• Optional coverages:
• Trip
• Trailer
• Transit & storage
• Boat lift & boat house
• Discounts: safety equipment, safety school, mature operator, watercraft speeds up to 85mph, ACV settlement type
Commercial Marine
Owner/Operator
• Commercial Fishermen
• Artisans
• Weed-Eaters
• Transit and Storage Risks
• Real Estate Tours
Passenger Carrying
• Captained Charters
• Bareboat Charters
• Professional Anglers
• Boat Clubs
• Environmental Site
• Inspection Cleanup
Rental Operations
• Sailboats, Canoes, Kayaks
• Peddle Boats, Water Bikes
• PWCs, Runabouts, Ski Boats
• Powerboats, Houseboats
Hull Coverage to $1 million
• Agreed value (for most boats)
• Personal Property
• Towing
• Watercraft Liability
• Medical Payments
• Watersport Liability
• Pollution Liability
• Crew Liability (charter boats only)
• Uninsured Boater
American Modern Insurance Group
Rated A (admitted)
General Information
American Modern Insurance Group | Program Highlights
• All bike types, plus off-road ATV, scooter, golf cart, GEM cars
• Full coverage, comp/liability, or just liability
• Replacement cost optional for bikes 2 years or newer
• Liability limits up to $250/$500
• Most driving records
• Included: $3,000 accessories ($1,000 for off-road), can increase to $15,000
• Options: travel loss reimbursement, rental reimbursement, transport trailer
• Discounts: transfer, homeowner, safety course, multiple units, no claims renewal