Fair pricing that aligns with risk
Our pricing for personal excess liability coverage takes a fair and personalized approach. We consider your individual risk factors, like the number of drivers in your household and their driving experience (as opposed to the number of cars in your driveway) to ensure your premium aligns with your risk. We also provide favorable credits for those who have an auto policy with PURE.
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.
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.
Coverage for reputation damage
If a covered loss harms your family’s reputation, we may reimburse you up to $25,000 for services performed by a crisis management firm to minimize or repair the damages.
If a covered loss harms your family’s reputation, we may reimburse you up to $25,000 for services performed by a crisis management firm to minimize or repair the damages.
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.
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.
A trusted attorney to represent you
We will provide a defense for your case—even if the lawsuit is groundless, false or fraudulent—from our panel of highly skilled attorneys.
We will provide a defense for your case—even if the lawsuit is groundless, false or fraudulent—from our panel of highly skilled attorneys.
Optional specialized coverages
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.
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.
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.
This optional coverage can protect against injuries or damages caused by an at-fault third party.
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