What is Personal Excess Liability?
You may have heard the term “Umbrella Policy” in the past. An umbrella policy provides an additional layer of liability above the liability limit of your homeowner’s policy, automobile policy and when applicable, watercraft policy. Should you be involved in situation where you may be liable, your umbrella policy would kick-in once the underlying limit of those policies is exhausted. Personal Excess Liability is very similar, with the exception that it also provides coverage that is not available with the underlying liability described above, making it even better!
Why "Group" Personal Excess Liability instead of Individual Liability?
Who needs this coverage?
Many people don't consider their lives particularly "risky" or that they would ever need liability coverage beyond their standard insurance policy limits, but take a moment to consider the potential to be held liable for injuries caused by these everyday events:
Driving a Car (Including Teens)
Social Media (Libel/Slander)
Carpooling with Other Children
Hosting Guests in Your Home
Serving on a Non-Profit Board
Snow Skiing or Snowboarding Accidents
How do you know what limit is right for you?
Consider these Factors:
Click on the links below to download the necessary enrollment documents:
Employment Practices Liability Application
Required Underlying Limits - Action is only required if your current home, auto, or boat insurance policies do not meet these required limits.
Employment Practices Liability Brochure
FAQ About the Program
Help Protect the People You Love and the Life You Love
Video: Chubb Group Excess Liability Overview I
Video: Chubb Group Excess Liability Overview II