PERSONAL LINES

For your Personal Lines coverage needs, we have in-house underwriting authority with a number of “A+” rated admitted and non-admitted markets, allowing our experienced staff to offer competitive and comprehensive quotes.

E-mail or call your Gorst & Compass Underwriter for prompt, professional and friendly service. Click the “contacts” tab for contact information.

 

PERSONAL LINES

Auto Excess Liability
Provides Excess Auto Liability over the insured’s underlying auto policy.

Course of Construction/Renovations
Our Course of Construction program is competitive and provides all risk coverage.

CPL and OL&T

• Mono Line CPL
• Premises Liability
• Personal Injury
• Up to $1,000,000 limits.
• Work Comp


DIC & Wraparounds
Written in conjunction with the California Fair Plan. Provides coverage for water, theft & liability.

DP1 and DP3
• 1-4 Family tenant occupied homes
• Vacant homes – 3, 6 & 12 month terms
• Premises liability can be included
• Can write up to $50M limits any one risk
• Brush risks acceptable
• Losses ok
• High Commissions


Earthquake
• Mono-line or packaged with the homeowners
• Deductibles: 5%,10%,15%
• Deductible Buyback Program
• EQ Wrap – written in conjunction with a mini-policy. Provides coverage other structures, personal property & loss of use.

Excess Flood
• Excess coverage over underlying flood limits of $250K on dwelling/$100K contents.
• Can be written either on a stand a lone basis or with the homeowners.


High Value Auto Physical Damage
• Physical damage only
• Designed for high end cars only
• Can be written dollar one or on an excess basis.


High Value Homeowners
More Information Coming Soon.

HO3, HO4, HO6, HO8
• Low value/high value
• Renters
• Condo owners
• Same day quotes
• On-line quotes
• Losses ok
• Brush Risks Acceptable
• High commissions
• Extended replacement cost…and more


Homeowners
We are an industry leader when it comes to writing homeowners coverage.

Landscape
• Designed for high value homes that have Landscaping exposures in excess of $350,000.
• Can insure trees up to $1,000,000 in value.

Landslide
• Designed for homes located in landslide areas
• Covers dwelling, other st., contents & loss of use


Personal Article Floaters
• Scheduled or Blanketed Coverage for Personal Property Coverage
• Jewelry, Fine Art, Furs, Silver, Coins, Sports memorabilia, Wine, Cameras, Rugs, etc.
• All Risk Coverage
• No EQ Deductible
• Brush Risk Acceptable
• Transit Coverage
• Single Items Acceptable
• Up to $50M limits any one risk


Personal Property Floaters
• Unscheduled personal property
• All Risk coverage
• 5% EQ Deductible
• Additional Living Expense


Pleasure Craft, Yachts
More Information Coming Soon.

Umbrellas/Excess Umbrellas
• Umbrellas – designed to provide liability coverage over the underlying auto, personal liability – watercraft.
• Excess Umbrellas – designed to provide coverage over the umbrella.
• Fast quotes
• Up to $10,000,000. Limits
• High Profile Insureds ok.
• Admitted carriers
• Online quotes available

 

PERSONAL LINES APPLICATIONS

Application ID Description

Acord 80

Homeowners’

Acord 84

Dwelling Fire

GC-Personal-1

Aspen Supplemental Renew 2012

GC-Personal-2

Aspen Supplemental Homeowners’ New Business (NB) 2012

GC-Personal-3

Lex Acord Supplemental 2012

GC-Personal-4

Lex Animal Statement 2012

GC-Personal-5

Lex Course of Construction (COC) 2012

GC-Personal-6

Lex Flood 2012

GC-Personal-7

Lex Homeowner/Dwelling (HO) 2012

GC-Personal-8

Lex Supplemental Corporate Named Insured Questionnaire (LLC) 2012

GC-Personal-9

Lex Log Home Questionnaire 2012

GC-Personal-10

Lex Older Home (HO) Questionnaire 2012

GC-Personal-11

Lex Personal Article Floater (PAF) 2012

GC-Personal-12

Lex Unprotected Rating (PC) Questionnaire 2012

GC-Personal-13

Lloyds Animal Information Statement

GC-Personal-14

Lloyds’ Personal Articles Floater (PAF)

GC-Personal-15

SIC Personal Liability Umbrella (1)

GC-Personal-16

Topa Excess Auto
 

PERSONAL LINES CONTACTS

Please click on a team member to email them.

Name Title Phone
Personal Lines
Brad Chesnutt Sr. Underwriter – Personal Lines 818.534.2628
Mike Gates Sr. Underwriter – Personal Lines 818.507.0900 x154
Nelson Oliva Sr. Underwriter – Personal Lines 818.507.0900 x117
Brad Poe Sr. Underwriter – Commercial & Personal Lines 818.507.0900 x157
Cinthia Reynaga Sr. Underwriter – Personal Lines 818.507.0900 x118
Sue Weeks Sr. Underwriter – Personal Lines 818.507.0900 x120