Alabama State Guidelines
E&S PERSONAL LINES
Minimum Coverage A: $150,000 / HO6: $50,000
Carriers
- Lloyd’s
- Lexington
- Clear Blue
- QBE
- Beazley
Products
- HO3, HO4, HO5, HO6, DP3
- Builder’s Risk
- X-Wind
- Wind-Only
- E&S Primary and Excess Flood
- Inland Marine
- Yacht
- NFIP
- Standalone Personal Umbrella
COMMERCIAL LINES
Coverage: Max TIV $10 million per building | $15 million TIV per location | $25 million per policy
Policy Types: BOP, CPP, Monoline Property
SPECIALTY HIGH NET WORTH
Minimum Coverage: $500,000
Carriers*
- Chubb
- USLI
- AIG
*Mobile and Baldwin County require a $10,000 account and 25% non-cat premium