Report a claimGet a certificateMake a changeLog in
riza
802-GOT-RIZAget started
Illustrated lakefront with a white house and a purple towel hung over its deck railing on one side, a boathouse with a motorboat inside and a dock on the other, and a wide lake and lawn between them

Personal excess liability insurance

protect everything you’ve built.

Extra liability on top of your home, car and boat policies. When a lawsuit is bigger than they are, excess liability picks up the rest.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

big lawsuits, covered.

Serious accidents, injuries and lawsuits. Tap around the house to see what’s covered, and what isn’t.

Illustrated lakeside backyard: a house with a patio table under an umbrella, a pool with a diving board and a purple float, a trampoline, a car with a crumpled front bumper in the driveway, a mailbox, a doghouse and a motorboat at a dock on the lake

covered

A guest is hurt at the pool

Pays past your home limit.

covered

A serious car accident

Pays past your auto limit.

usually covered

An accident on the boat

Past your boat limit, when it’s listed.

usually covered

Someone sues over a post

Libel and slander, on most policies.

covered

A guest is hurt at the pool

Pays past your home limit.

Examples. Your policy sets the details.

one lawsuit, two
layers of protection.

Pick a lawsuit size to see how your policies stack.

A $3M claim

Auto pays $500K.
Excess pays $2.5M.

Without it, the rest comes out of your savings.

$3M claim. Excess liability: $2.5M paid. Home and auto: $500K paid.

sued?
make one call.

We report it to every policy that should respond, so no layer gets missed.

  1. 1. Call us first

    Send us the letter or the lawsuit. Don’t reply on your own.

  2. 2. We notify every layer

    Your home, auto and excess carriers hear about it on time.

  3. 3. We stay on it

    Defense, settlement and payouts, followed to the end.

the best price, without the shopping.

Tell us about your home and family once. We compare the carriers and bring back your options, side by side.

The Whitfield family

your options

$1,450a year, $10M limit

3 options, same coverage

Option A$1,450

Option B$1,700

Option C$2,050

2 homes3 cars1 boatNew driver
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

get started

Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about personal excess liability.

How much personal excess liability do I need?
Enough to protect your assets and future income from a large lawsuit. Families with higher net worth or visibility, homes with pools, boats or young drivers often carry higher limits. The right limit depends on what you’d stand to lose.
Is personal excess the same as a personal umbrella?
They’re close, and the terms are often used interchangeably. Both add liability limits above your home, auto and boat policies. Some excess policies follow the underlying policies’ terms exactly, while umbrellas can be broader. The policy wording decides.
Does personal excess liability cover my business?
Usually not. Personal excess policies typically exclude business activities, including claims tied to your company or paid board seats. Business risks are covered by the company’s own liability, D&O and umbrella policies.
What does personal excess liability cover?
It typically covers injuries and damage you cause to others above your home, auto and boat limits, plus claims like libel and slander on many policies. It pays for defense and judgments. It doesn’t cover damage to your own property.
Do I need to raise my home and auto limits first?
Usually, yes. Excess carriers require minimum limits on the auto and home policies underneath. If the underlying limits are too low, you could face a gap.

Insurance words, in plain English: umbrella vs excess liability

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA