Without a higher limit on their general liability, homeowners could be in for a world of hurt – the kind that affects the wallet.
When it comes to who will be held responsible for accidental or negligent injuries, with regards to a homeowner’s property, the laws can be a tricky thing to navigate. With New York being one of the most litigious states in the entire country, not only is it advantageous for a homeowner to know the laws, their rights, and their responsibilities – it is essential. It is doubly important for the homeowner to then make sure they have coverage that can handle any situation that could lead to personal liability. Learn more about Labor Laws 240 and 241.
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About Distinguished Programs
Distinguished Programs is a leading national MGA and program manager for specialty property & casualty insurance. The company places insurance in niche sectors such as commercial real estate, hotels & restaurants, community associations, transactional risk, environmental & construction professional, marine cargo, crisis management, cyber, surety, executive lines, inland marine, and fine arts & collectibles. In 2026, the company expanded into reinsurance through DistinguishedRe, initially focused on property reinsurance solutions. On behalf of its insurance carrier partners, Distinguished typically manages all aspects of the placement process, including product development, marketing, underwriting, policy issuance, and claims. Through thoughtful innovation, stemming back to 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.
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