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Excess Liability

In today’s litigious world, it’s necessary to cover the “what ifs” in life so you do not have to carry the burden of out of pocket expenses in the event of liability lawsuit. Through various markets, we can offer some of the broadest protection available with limits up to $100,000,000. As assets and exposures grow over time, it is necessary to readdress liability needs to make sure that there is adequate coverage in place. Having teenage drivers, pools, secondary homes, ATVs, snowmobiles, and watercrafts all come with their own fair share of liability concerns that can be addressed with excess liability coverage. Knowing that you are taking the proper risk management steps can prevent losses from happening in the first place and having appropriate coverage in place to shelter your lifestyle in the event that a lawsuit does happen are some of the most important tools that you can implement into your overall wealth preservation strategy.

Coverage options to consider:

​Underlying Limits

​Excess liability limits

​Excess Uninsured/Underinsured Motorist Coverage

Excess Uninsured/Underinsured Liability Coverage

​Worldwide coverage

​Personal Injury Protection

​Personal Employee Practices Liability

​Not-for-Profit D&O coverage

​Group Personal Excess

Items to consider:

Properly covering your net-worth

Adequate coverage for the liability exposures of sitting on a not for profit board

Insurance protection while employing domestic staff

Identity Fraud

Rental vehicle coverage

Libel/slander/defamation of character

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