Private Client Services
Group Personal Excess Insurance
A critical component of a comprehensive risk management strategy, providing an additional layer of liability protection beyond the limits of standard policies.
By pooling resources, group personal excess insurance offers enhanced coverage often at a more affordable rate — attractive for employees, executives, and large families.
A Common Misconception
Group personal excess insurance is designed to cover legal damages that arise from liability claims, which can include bodily injury, property damage, and personal injury.
Start the Conversation →Standard liability coverage in underlying policies often falls short in the event of significant lawsuits, making excess insurance essential for comprehensive protection.
This insurance includes coverage for legal defense costs, even if the lawsuit is groundless, false, or fraudulent. This ensures that policyholders are not financially burdened by legal fees in addition to potential damages.
Coverage is typically worldwide, protecting policyholders regardless of where an incident occurs. This is particularly beneficial for individuals who travel frequently or have international exposure.
Key Capabilities
Key Features and Benefits
Items to consider:
Consider list loads from the CMS.
- Extended coverage limits well beyond primary policies.
- Defense costs covered even when a lawsuit is groundless or fraudulent.
- Worldwide protection regardless of where an incident occurs.
- Reputation management — libel, slander and defamation claims.
- Excess Uninsured/Underinsured Motorist coverage.
- How pooling resources lowers the rate for the whole group.
Not sure what your current policy actually covers?
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