Portal/LARS

Download the CPL Flyer!

Need Personal Umbrella & Personal Liability? 

Bind with Lane.

Umbrella policies go over and above to cover a family and their assets. When a family’s or company’s primary insurance is exhausted by a loss and not enough to cover the damages or incident, a personal or commercial umbrella insurance policy can fill in the gaps and help cover them.

Personal Umbrella

We offer Primary Umbrellas, Excess Umbrellas and Target Umbrellas.
The in-house authority for limits are up to $10m.

We can accept individuals, trusts, estates and personally owned LLCs, applicants with DUI’s, youthful drivers and prior histories. Medical records are not required for applicants over 70 years. The umbrellas are written on a non-admitted basis.

Your Personal Umbrella Application

Personal Liability

We offer Primary CPL, Excess CPL and Farmers CPL. The limits offered are from $100k up to $1m. Identity theft coverage is provided up to $25,000 with no deductible.
Again, we can accept trusts, estates, individuals and LLC’s (personally owned only). Primary locations, vacation/seasonal dwellings, rentals, vacant land, course of construction and high profile risks are acceptable classes. Our CPL policies are written on a non-admitted basis.

Your Primary CPL Application

Your Excess CPL Application

Your Farmers CPL Application

Now Serving Texas

Bind With

Lane

What Does Comprehensive Personal Liability Insurance (CPL) Mean?

Comprehensive personal liability (CPL) insurance is a type of liability insurance that covers the expenses from legal liability to third-party liability arising from accidental bodily injury and/or property damage within the context of the policyholder’s private life as opposed to their professional life.
CPL insurance protects the policyholder’s personal affairs as well as the policyholder’s family members from paying large amounts of money for personal liability claims.
Comprehensive personal liability insurance is a standalone liability coverage for a variety of risks. Even if a person already has a primary policy protection program, an umbrella policy like CPL provides extra liability protection over and above the limit of the primary policy.

Who Should Purchase Comprehensive Personal Liability?

Accidents happen at home and away from home. A CPL policy provides both legal defense and indemnification of individuals, so every adult should have this coverage to protect themselves in the event of a claim. This includes:

1. College students living away from home.
2. Those individuals living and/or studying abroad.
3. Renters or homeowners.
4. Owners of property that is leased or rented.
5. Owners of property being held for sale or development.

It is important to note that commercial or business insurance policies do not cover personal liabilities of owners or officers. Comprehensive personal liability should be an essential part of any personal financial protection plan.

With coverage amounts starting at $100,000, we can write up to $1,000,000 or more in limits.

Karen Bivona is a Lane & Associates underwriter! She underwrites, quotes and services general liability accounts for contractor risks, including our online Artisan Contractor General Liability Program. She has worked with the company for more than 35 years.

Jonathan Whitaker is a Lane & Associates underwriter. One of his favorite parts about his job is the relationships and friendships he's able to extend beyond work. He enjoys golf, traveling, Saints football and spending time with his family.

Marie Hohensee is Lane & Associates Vice President of Commercial Underwriting and assists the commercial underwriters in making sound and profitable decisions in placing business for our customers, as well as underwriting her own book of business. She’s originally from California but has called Louisiana her home for more than 25 years and has been working in insurance for more than 30 years!

Brandy Lane is an Underwriting Assistant at Lane & Associates. Brandy's favorite part of her job is helping the underwriters so we can promptly get things to our agents! Brandy's hobbies include spending time with her friends, trying new restaurants and seeing live music.

Scott Landry is the president of Lane & Associates, an advocate of continuing education and has his CPCU, ASLI, AIS, AU, and AIDA. Scott is active in the insurance community, serving on Commissioner Donelon's Surplus Lines Insurance Advisory Council, The Louisiana Property and Casualty Insurance Commission and the Louisiana Surplus Lines Association. Some of Scott's hobbies include gardening and exercising.

Casey Lane is a Lane & Associates underwriter. His favorite part of his job is building relationships with the agents he serves. When he's not at Lane, Casey enjoys Saint's football, music and watching his four children's sporting events.

Chris Weego is a Lane & Associates underwriter. His favorite thing about working at Lane are his coworkers and the amazing agents he gets to work with. When he's not working, Chris enjoys playing golf, watching his kids play sports and cheering on the Chicago Cubs!

Don Lundy is a Lane & Associates Texas underwriter. Recently, he completed his CPCU designation after 15 years of off-and-on classes. When he's not working, Don enjoys photography, Star Wars, the Atlanta Braves and watching his son bowl.