Personal Excess Liability Insurance offers an attractive solution for helping to preserve assets in the face of an ever-increasing array of liability exposures.

• Provides additional liability coverage to help protect you against damages and lawsuit costs in the event of a serious loss or accident.
• Optional insurance covers you for bodily injury, personal injury and/or property damages to third parties, over and above the coverage that you may have through other insurance policies.

This insurance is generally purchased to provide limits over and above primary insurance and to potentially provide coverage where a coverage gap may exist. Explore a range of policy limits available, from $500,000 to $10 million or more, depending on your carrier, policy, and state of residence.

Your auto, homeowner and watercraft policies may not provide enough protection in the event of a serious loss. You can get additional coverage from an “excess policy” which provides coverage in excess of your primary insurance. For example, if you have a car accident, your primary auto insurance policy would be your first level of coverage, or primary insurance; the Personal Excess Liability Insurance would be the final level of coverage after all other applicable policy limits are exhausted.

Examples of situations this coverage could potentially address are:

• The policy will pay all sums that you may become legally obligated to pay for a covered bodily injury, personal injury or property damage claim in excess of the required underlying limit.
• Court and legal defense costs.
• Interest on unpaid judgements.
• Premiums on appeal bonds.

The policy will pay all sums that you may become legally obligated to pay for a covered bodily, injury, personal injury or property damage claim in excess of the required underlying limit. Coverage applies to personal injury and property damage worldwide if the incident occurs when the policy is in effect.