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Don't do alot of personal lines. Looking for personal liabiilty only for a tenant that resides on a horse ranch. The tenants mother leases the ranch for a horse operation. Renters Insurance Underwriters can't see past the horse ranch. Daughter may help with the ranch but the boarders all leave their stable rents in a mailbox in the barn. Daughter has a significant trust fund, and needs the personal liabilty coverage. Allied who writes the farm won't do the Renters Insurance. Any online rating companies?

What does leaving the rent checks in a mailbox have to do with any of this??

Treat your client as an individual living at an address who apparently does not need property coverage. Then find a company like McGraw/PSIC or Navigators who does CPL policies for individuals. Unless your client lives in a stable, I'm not seeing where the answer to "Is there any business conducted on premise?" is yes, so there you are.

If you're primarily a commercial broker, find one of your MGA's who is connected with a company writing personal lines CPL and place the policy. Policy language will exclude any commercial exposure anyway, but the more I think of it, why, if your client is living and or working for her mom in this kind of atmosphere, she needs CPL anyway. Is she worried about someone tripping on her doorstep? Does she throw rocks at people? Does she host parties in her living quarters? Does she hit golf balls at the ranch? Forgive me, but I'm just not seeing the need under the circumstances.

My concern is the daughter is no longer a minor and the Farm/Ranch is not the mothers primary residence. Normally most Farm policies provide the relatives residing with the insured coverage under Who is an Insured definition, just like on a Homeowners policy.

There are numerous personal liability exposures that could occur off the premises that would not be covered if she does not purchase some Personal Liabilty. She stays at a hotel and accidently starts a fire from an cigareete she puts out in a planter box on the balcony(real claim different insured), a child is hit in the eye by her shopping cart in the grocery store and she is found to be negligent, while at a park her dog bites someone, etc. There are numerous issues. See link for article to Rough Notes Magazine. http://www.roughnotes.com/rnmagazine/se ... _12P94.HTM

Allied(personal lines) had a concern that business could/would be conducted in the form of people coming to the daughters home on the property, signing boarding agreements, paying Boarding fees etc. The commercial underwriter at Allied could not seem to get the Personal Lines guy to see that those exposures would come back to the Farm policy.

Again the ranch was no longer the principal residence of the insured(mother).

What am I missing?

Does she have a Personal Auto policy? You can sometimes add Personal Liability to the auto policy. I used to do this when I was a retailer, in some cases. Try that, AND, it's cheap!!!

Good luck.