Our Landowners Program covers

• Vacant Land – defined as land with no development, no existing buildings, no events held on property and no operations being conducted, contemplated or completed on land.
• Real Estate Development Property – submit new business and renewals to your underwriter
• Land Leased To Others – submit new business and renewals to your underwriter

General Liability Underwriting & Rating Considerations

• Limits up to $1MM/$2MM (Umbrella available)
• Rate per acre for land or lakes
• All General Contractors working on premises must provide to the owner a certificate of insurance showing the owner as an additional insured and a contract containing a hold harmless clause in favor of the owner.
• Subcontractors work rated per $1,000, contract costs subject to $250 minimum premium

Submit for Consideration

• More than 500 acres
• Land with underground mine that has been sealed
• Lakes exceeding 35 acres
• Dams require Dam Questionnaire GLS-113
• Real estate development property
• Land leased to others

Prohibited

• Landfills
• Land used for motorized vehicles or bikes
• Land with underground mine that has not be sealed
• Existence of oil or gas wells