Excess liability protection
The liability coverage within home, auto and watercraft policies is considered “primary” insurance; it responds first in the event of a claim. Excess liability insurance responds after primary limits are exceeded.
Typical insurance carriers only allow up to $5 million in excess or “umbrella” coverage. If your family’s net worth exceeds that limit, your personal assets may be exposed.
We offer up to $100 million limits to safeguard your family and assets adequately.
In the event of a covered lawsuit, you can choose legal representation from a national panel of leading defense specialists; most insurers leave you out of this process entirely.