What happens to your Global Indemnity accounts when you die

Binding Commercial Property Insurance (Penn-America)

Specialty commercial property coverage for small businesses, written by Penn-America Insurance Company, Penn-Patriot Insurance Company, and Penn-Star Insurance Company and distributed through wholesale general agents with binding authority. There is no beneficiary on a commercial property policy. If a revocable trust or an LLC holds the insured building, the policy should name that entity as the named insured so a loss payment is issued to the party that actually owns the asset. When the named insured dies, the change is made by endorsement through the placing agent, not by Global Indemnity directly.

Binding Commercial Casualty & General Liability (Penn-America)

General liability and umbrella coverage for small to mid-sized and hard-to-place risks, also written through wholesale general agents. Liability coverage follows the named insured, which is why an estate that keeps operating a decedent's rental property or small business needs the estate added as a named insured rather than relying on the decedent's name remaining on the declarations page. Claims are reported through the general liability loss notice at https://gbli.com/general-liability-loss-notice/ or the 24/7 line at (800) 788-4780.

Vacant Express Vacant Dwelling & Vacant Commercial Insurance

Vacant Express Landlord & Short-Term Rental Insurance

Property and liability coverage for annually or seasonally rented dwellings, up to four units at one location, with multiple rental properties in the same state writable on one policy. Every unit must be occupied by a tenant on an annual lease — an owner-occupied unit disqualifies the risk, which matters when an heir moves into part of an inherited duplex. Vandalism by a tenant is excluded on the landlord form. Vacant Express states that a policy can be transferred from vacant to tenant-occupied (or the reverse) through a Vacant Express agent, which is the mechanism an estate uses when it rents out a house it had been holding empty.

Vacant Express Builders Risk & Renovations Insurance

Inland marine and property coverage for renovation and ground-up construction projects, with liability available up to $1 million per occurrence and $2 million aggregate. The "vacant dwelling undergoing renovations" form permits renovation and remodeling activity plus showings, where the plain vacant-dwelling form does not — the distinction an estate crosses the moment it hires a contractor to make an inherited house saleable. A 100% coinsurance clause applies to renovation values and to brand-new construction.

Collectibles Insurance Services Collector & Dealer Policies

Equine Mortality Insurance (American Reliable legacy book)

Global Indemnity maintains loss-notice intake for a legacy American Reliable Insurance Company book, including an Equine Mortality Loss Notice at https://gbli.com/aric-equine-mortality-loss-notice/ alongside ARIC property and general liability notices. Equine mortality is the one line in the group that pays on the death of the insured subject, but the subject is the horse, not a person, and the payment goes to the named insured — so if the owner has died, the proceeds belong to the estate and the estate representative must be able to show authority. The notice form asks for the name and identification of the horse, details of the injury or illness, and the veterinarian's name and phone number, which means an executor should secure veterinary records before reporting.

GBLI Assumed Reinsurance

Treaty and facultative reinsurance of specialty casualty business, including professional lines, sourced through brokers and primary writers and managed through Valyn Re LLC. Reinsurance is a contract between insurance companies; it has no individual policyholder, no beneficiary, and no role in settling a personal estate. It is listed here only so that an executor reading a GBLI corporate document does not mistake it for a consumer product.