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Add another layer of protection to your life. Even if you're already insured, judgments from lawsuits can exceed your current liability limits on your existing underlying insurance policies, especially under serious circumstances. Personal excess liability policies provide coverage for non-business liability claims that are not covered by your other insurance policies, such as defamation of character, libel, slander, and false arrest.
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The more assets you own, the more vulnerable you can be. Legal costs to defend a suit may not be covered under your basic insurance policy, so personal excess liability insurance can be financially valuable in addition to offering you peace of mind.
Similar to “umbrella insurance”, personal excess liability coverage protects you under the following circumstances:
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If you need legal defense for a claim, a personal excess liability policy could cover:
Here’s an example of how personal excess liability coverage can protect against future financial hardships thanks to unforeseen circumstances.
