Why You Need excess liability Insurance

Learn More
Spot On Coverage

We can find you liability coverage in excess of the limits you already have for:

Auto Liability Insurance
Homeowner Liability Insurance

ASSET PROTECTION:

If you have substantial assets, investments, or savings, Excess Liability Insurance can protect them from being depleted in lawsuits, providing an additional layer of protection beyond the limits of your personal insurance policy.

FINANCIAL PROTECTION:

Excess Liability Insurance covers the difference beyond your personal insurance policy if someone is injured on your property, safeguarding your assets from being depleted by damages or legal fees in lawsuits. 

PERSONAL INJURY COVERAGE:

Covers legal fees and damages from slander or libel lawsuits (something you say/write that damages a person’s reputation or business); false arrest or imprisonment, wrongful eviction, and other related lawsuits against you.

PEACE OF MIND:   

Excess Liability Insurance offers peace of mind if you’re concerned about potential liabilities that may exceed the limits of your personal insurance policy. 

Estimating Your Excess Liability Insurance Needs:

Estimating Your Excess Liability Insurance Needs:

Excess Liability Insurance functions as an additional layer of liability protection beyond your auto, homeowner, or any other personal liability insurance coverages. It helps protect you from liability claims that exceed your personal insurance liability limits.

Calculating Coverage:

To determine the appropriate amount of Excess Liability insurance for your needs, calculate your net worth by totaling your assets and savings and subtracting any debts.  Next, determine the liability limits of your current personal insurance policies.

Determining Coverage Needs:

If your net worth exceeds the liability limits of your personal insurance policy, it may be time to increase your coverage.  However, if your net worth still exceeds the maximum liability coverage available through your personal insurance policy, you’ll require Excess Liability Insurance to adequately protect all your assets.

Potential Savings to Explore:

Insurance discounts can differ depending on the insurance provider you select.  It is important to note that not all carriers offer the same discounts.

Flexi-Bundle™ & Save:

Flexi-Bundle™ Discount:  Combine up to four insurance products and select from up to four insurance carriers.

Frequently Asked Questions

Yes. It is the same thing.

To qualify for Excess Liability Insurance, the required liability limits for auto and home policies can vary among insurance companies.  However, as a general guideline, most insurers typically required:

Auto Policies:  Bodily injury liability coverage of $250,000 per person and $500,000 per accident, and property damage liability coverage of $100,000 per accident.

Home Policies: Liability coverage of at least $300,000.

No. While Excess Liability Insurance can provide helpful coverage, it’s not required by law.

Yes.  Excess Liability Insurance typically won’t cover:

  • Criminal activities or intentionally harmful acts
  • Injuries to you or damage to your property
  • If you own a business, Excess Liability Insurance doesn’t double as Commercial Excess Liability Insurance; you’d need to purchase a separate Commercial Excess Liability policy.

When shopping for Excess Liability Insurance, it’s essential to consider the maximum limit offered by each company. Typically, most Excess Liability policies provide coverage up to $5 million.

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Absolutely. We use secure encryption technology to keep your personal information safe. When it comes to your application, we never pull your data without your approval first. We will also never sell your data to any third party…ever.

If you have questions, you can call, text, email, or live chat with a real expert at Insurish who is standing by to help. No matter how you contact us, we will get back to you immediately. For help, click the Contact Us tab.

We offer insurance solutions for all your personal needs like auto, home, life, health & more. We also offer products for all your business needs, like liability, property, trucks & more. We don’t stop there! We also offer a wide array of car care and safety & security products.

I Know What I Need

I am ready to proceed.

Get Quotes

I Need More Information

Click on the “Spot on Coverage” button to learn more.

Learn More

I Want to Start a Flexi-Bundle

Click on the “Flexi-Bundle” button and save.

Flexi-Bundle

Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.