Excess Liability Insurance

Excess liability insurance protects you from what could be devastating financial loss if someone is injured in your home or automobile and wins a legal judgement against you. While you may already have liability coverage under your auto and/or homeowner’s policy, excess liability insurance increases that protection substantially. In order to purchase an excess liability policy, you must first have basic personal liability coverage under a homeowner’s and automobile policy.

Benefits of Excess Liability Insurance

  • Coverage against injury or property damage caused by you, your family, or a named insured.
  • Funds to assist with legal defense costs.
  • Protection against claims arising from slander, wrongful eviction, false arrest, and libel.
  • Additional protection for liability not covered by your base policy.

Features of an Excess Liability Insurance Policy

  • Premium discounts for owning multiple policies with the same insurer.
  • Option to reduce your out-of-pocket premium by increasing your deductible.
  • Twelve-month policy renewal periods.

Element to Consider

  • Your premium may increase or your eligibility for policy renewal could be jeopardized based on claim experience.

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