Ineligible Risk:

1. Applicants who have had more than one liability claim that exceeds $5000.00 in payment during the past 36 months.
2. Houseboats or "party" boats or any personal watercraft.
3. Vacant Dwellings.
4. Dwellings undergoing extensive remodeling.
5. Premises where abandoned, not operational, not regularly used vehicles or company vehicle are stored.
6. Applications in the name of two unrelated people residing in the same household unless each has a legal interest in the insured location. It is acceptable to write each a policy if they qualify.
7. Applications where the named insured is other than an individual - no business or commercial risk.
8. Risk who employ full-time in-servants or out-servants unless the appropriate charge is made and the risk qualifies.
9. Risk with unusual pets, livestock or dogs that are known to be aggressive/vicious. Such breeds include, but are not limited to German Shepards, Pitbulls, Doberman Pincers, Chows, Great Danes, etc.. Will consider with Animal Exclusion.
10. Risk where there is an unfenced swimming pool and/or a swimming pool with a diving board and/or the swimming pool is empty.
11. Risk with any unusual exposure such as broken or missing steps or handrails, litter on the premises, open pits or any "attractive nuisance".
12. Risk where there is a combination of 5 or more rental units and/or secondary locations. The applicant should secure a commercial liability policy for this type risk. McNabb will consider writing the primary residence liability and excluding the locations.

Since it is not possible to make guidelines for every situation, final decision with respect to acceptance of risks, underwriting rates, etc., are reserved to the company.

REFER TO COMPANY:

1. Any risk with high profile occupation (entertainment, political or sports personalities) must have written prior approval.
2. Any risk with more than 3 in-servants or full-time out servants (over 20 hours a week).
3. Non-incidental business pursuits conducted on the residence premises.

Policy Term:  1 year

Binding: Coverage may be bound at 12:01 A.M. of the date following the postmark date on the envelope. If there is no envelope, the coverage will bound at 12:01 A.M. of the date following the date received.
The application must be signed and dated by both the applicant and the producer.

Binding by Topa underwriters will be effective the date specified on the bind confirmation.

Oral binders are prohibited.

Rate:

High Profile risk:  Entertainment, Sports and Political Personalities, or anyone who is highly visible due to their profession, business or notoriety.

Personal Injury buy back - $75.00 regardless of total CPL limit. Requires prior written approval from company underwriting.

Fully Earned Policy Fee: $35 (New & Renewal)

CIGA Fee: When CIGA fees are applicable, charge as a percent of premium excuding Policy Fee.