Excess Liability Insurance

Excess Liability Insurance

If you get sued over an accident, your existing insurance policy would likely cover bodily injury and property damage, but only up to a point. Beyond that, you may be responsible for paying the excess amounts for which you're held legally responsible. That's where Excess Liability & Personal Umbrella comes in.

Protect your Financial Stability

Personal Umbrella & Excess Liability gives you an extra layer of protection if you find youself at fault when the unexpected hits - something like a serious auto accident or major mishap on your property.

Protect yourself from the unexpected

Imagine What Would Happen

  • Your houseguest sustains a head injury after slipping on a loose tile by your pool.
  • You have a blowout on the highway, causing a crash that injures several other drivers and passengers.
  • A houseguest loses control of your boat and crashes into a dock, causing significant damage and injuries.

In each of these cases, you may think your homeowners, auto, and watercraft insurance would cover the damages, and in some cases that is true. However, many policies have coverage limits, and those limits could pay as little as 10 percent of your liability. The rest would be up to you to pay if you didn't have a Personal Umbrella & Excess Liability Policy.

Additional Features

Our Personal Umbrella & Excess Liability carriers offer extra features that do more than just cover liability differences:

  • Potentially protect against uncovered claims
  • Provide worldwide coverage
  • Cover defense costs & attorney fees associated with claims against you

Stay ready everyday.