Excess Liability

Excess Liability Insurance, also known as Umbrella Insurance, provides an additional layer of financial protection that goes beyond the coverage limits of your primary insurance policies. This type of insurance kicks in when the limits of your underlying policies – such as auto, homeowners, or business liability insurance – have been exhausted. It offers higher limits of coverage, typically starting at $1 million, to protect you against catastrophic losses that could otherwise lead to financial ruin. Excess Liability Insurance can cover legal fees, medical expenses, and damages you’re held responsible for, safeguarding your assets and future earnings from large claims or lawsuits. This extra layer of protection is especially crucial for high-net-worth individuals, businesses facing significant risks, or anyone seeking comprehensive financial security in an increasingly litigious world.