Openly maintains specific underwriting guidelines regarding properties owned by individuals who are frequently in the public eye. Due to increased public scrutiny and unique risk exposures, homes belonging to public figures are generally excluded from coverage, subject to localized state guidelines.
Defining a Public Figure
For underwriting purposes, a public figure is defined as any individual who is frequently in a position of public scrutiny, notoriety, or high-profile media exposure. This includes, but is not limited to:
- Entertainment & Athletics: Professional athletes, actors, and musicians.
- Media and Publishing: Print, broadcast, or electronic editors, authors, columnists, reporters, or publishers.
- Broadcasting: Radio and TV broadcasters or telecasters.
- Politics and Governance: Politicians, current public office holders, and candidates actively seeking public office.
- General High-Profile Persons: Any other highly recognizable public personality or digital influencer.
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