What is the definition of Allied Lines?

Allied lines are property insurance that are closely related with standard fire insurance. When you buy fire insurance coverage, there may be several add-ins that cover various events. These allied products may include coverage for demolition charges, sprinkler and water damage (flood or rain), damage caused by vandalism, hail, tornado and windstorm. In addition, the allied lines may cover risks related to sprinkler leakage, earthquakes, riots and other civil commotions, data processing and the increased cost of construction.

Allied lines allow coverage for a wider range of losses, over and above fire insurance.  This means that the policy and home owner enjoys protection not just from fires but from other risks as well - risks that are also likely to occur to his home.

• Competitive State Fund
• Excess and Surplus Lines
• Commission
• Businessowners Policy / BOP
• Employer’s Liability