Personal Excess Liability Insurance
For the legacy you’ve worked hard to build
Notable personal excess liability coverage features
Coverage for Defense Costs
Our personal excess liability policy includes coverage to defend you against claims of bodily injury, defamation, libel, slander, wrongful entry or eviction and emotional distress. Defense costs do not reduce the amount of coverage available to pay damages on eligible claims.
Choice of Counsel
You can choose representation from a panel of trusted attorneys and defense counsel. And, if you would like for your personal attorney to shadow the case, we will reimburse you up to $100,000.
Fewer Out-of-Pocket Expenses
Our excess liability coverage picks up at the dollar amount where your primary PURE policy (Homeowners, Automobile or Watercraft) ends, reducing coverage gaps and out-of-pocket expenses. Our drop-down coverage feature also means that you’re protected for an entire covered loss, even if the underlying policy does not apply or is not required.
In certain situations, more specialized excess liability coverage can help further protect your family’s assets.
Not-for-Profit Directors and Officer Liability Coverage
Board members can be held liable for the actions or inactions of the organizations they serve, including accusations such as wrongful termination and breach of fiduciary duties. This optional excess liability coverage protects you as an officer for a qualifying not-for-profit organization.
Domestic Employment Practices Liability Coverage
If you employ domestic staff such as drivers, housekeepers or childcare providers, you can add coverage to protect against wrongful employment allegations and crisis management services to help preserve your reputation.
Uninsured Motorist and Uninsured Personal Liability Coverage
This optional coverage can protect against injuries or damages caused by an at-fault third party.
Explore other coverages
Homeowners Specifically designed for luxury homes
Jewelry, Art & Collections The standard of protection your valuables deserve
Automobile For luxury vehicles, golf carts and everything in between
Fraud & Cyber Fraud protection, whether online or off
Watercraft For your vessel and the valuables within it
Condo & Co-op For the unique risks of a city home
Home Systems Protection For the mechanical and electrical systems in your home
Flood Flood coverage for the unexpected