Personal Lines

Delta offers a broad spectrum of personal lines products from leading carriers in today's marketplace. These prestigious companies provide coverages designed to meet the unique needs of our agents. Delta provides solutions from lower values through High Net Worth, to enable agents to obtain, retain and grow their personal lines business.

High Net Worth Coverage Highlights

ACE/Chubb, AIG, Nationwide and Vault Private Client:

  • Carrier Specific Policy Forms
  • High Profile Insured's
  • No maximum limits
  • Exclusive Coverage Enhancements and Programs
  • Scheduled Valuable Possessions attached to Homeowner or Stand Alone
  • High Value Automobiles
  • High Limit Personal Umbrella Policies
  • Watercraft and Yacht Programs
  • Kidnap and Ransom Coverages

High Net Worth Non-Admitted Programs:

  • Several Non-Admitted VIP Markets
  • All companies A.M. Best rated A (Excellent) or A+ (Superior)
  • No maximum limits
  • Hard to Place Risks
  • Unique construction
  • Course of Construction
  • Unprotected locations
  • Older dwellings without updates
Homeowner Coverage Highlights

Non-Admitted Programs:

  • Form: HO-A, HO-B
  • Dwelling values to $350,000
  • For risks with Greater Loss activity
  • Builder's risk
  • Protected and Unprotected
Dwelling Fire Coverage Highlights

Non-Admitted Programs:

  • Form: TDP-1, TDP-2, TDP-3
  • Dwelling values up to $350,000
  • Vacant Dwellings on 3, 6, or 12 month policies
  • VM&M available on owner, tenant, and vacant dwellings
  • Builder's Risk (TDP 1 only)
  • Personal Liability available on owner occupied dwellings
Umbrella / Excess Liability Coverage Highlights

Scottsdale Insurance Company:

  • Excess over Primary up to $50 Million
  • Requires Underlying Carrier A rated or better
  • Target and High Profile Individuals acceptable
  • Difficult Liability Exposures Acceptable
Personal Watercraft Coverage Highlights

Personal Watercraft - High-Performance Watercraft or Yachts:

  • All Delta agents have direct access to Markel American for coverage on a variety of watercraft
  • Markel American, rated "A" by A.M. Best, provides:
    • Solid Underwriting
    • Direct Bill
  • Service Center Offers:
    • Convenient Hours Monday through Saturday
    • Ability to rate, quote, bind, or endorse
Farm & Ranch Coverage Highlights

Non Admitted (A+:XV) Carrier:

  • Designed for today's "Gentleman Farmer"
  • Basic coverage provided on the FRO-A policy form or Broad coverage on the FRO-B policy
  • Coverages available:
    • Dwellings and Personal Property
    • Barns and Farm Structures
    • Farm Personal Property
    • Loss of Use / Additional Living Expense
    • Personal Liability for Owner Occupancies
  • Physical Inspection required on all risks
  • Tenant Occupied Risks can be written as monoline property only. No liability available
Our Carriers

Delta accesses these exceptional and highly rated insurance carriers. Additional carriers are also accessible through our network of national Underwriting Managers and Brokers.

Last updated: 10/27 04:54 PM
Carrier A.M. Best Rating* Personal Lines Comm'l P&C Comm'l Auto Flood
ACE GROUP A+:XV
AIG PRIVATE CLIENT A:XV
CERTAIN UNDERWRITERS AT LLOYDS A:XV
CHUBB INSURANCE CO A++:XV
INDEMNITY INSURANCE COMPANY OF NORTH AMERICA A++:XV
LEXINGTON INSURANCE CO A+:XV
MOUNT VERNON FIRE INSURANCE COMPANY A++:X
NATIONWIDE PRIVATE CLIENT A+:XV
NAUTILUS INSURANCE CO A+:XV
NATIONWIDE E&S A+:XV
UNITED STATES LIABILITY INSURANCE COMPANY A++:X
VAULT E & S INSURANCE COMPANY A:XV

Personal Lines Management and Marketing Team

Sean Buchtler

Assistant Vice President Personal Lines