For your liability

Personal excess liability insurance kicks in after the liability limits in an underlying policy (homeowners, auto, etc.) are depleted:

• No matter where in the world an incident occurs, you can rely on Private Client Group to respond.
  
• Coverage is available in $1 million increments, so you can select the precise amount you desire.
  
• In some instances, our excess policy will respond to more situations than the underlying policy can. When that occurs, you’ll still be covered.
  

Insurance providers typically assign a lawyer to defend you, leaving you out of the process entirely. We want to make sure your best interests are always considered. That’s why we enable you to choose from an elite, national panel of defense firms. Your personal attorney also can participate in the defense strategy and be reimbursed for up to $10,000 in expenses¹ (higher limits available).

Another advantage: Defense costs won’t deplete your coverage.

You are not responsible for legal fees incurred during a covered lawsuit. Some insurers include defense costs within the policy limits; those expenses can erode your financial protection.

¹ Some restrictions may apply.

We are pleased to provide specific coverage solutions for those who need them. You can add any of the following onto your excess liability policy:

• Protection on the road — You can add up to $10 million in coverage to protect you in the event of an accident involving an uninsured or underinsured driver.

• Safeguards for employee-driven lawsuits — This coverage is recommended if you employ a nanny, housekeeper, driver, personal assistant, gardener or other domestic staff.  Employment practices liability insurance (EPLI)  protects against allegations of employment-related offenses, such as sexual harassment, wrongful termination and discrimination. In the event of an EPLI claim, an Employment Crisis Fund can provide up to $25,000 for a public relations firm to minimize damage to your reputation.
  

• Serving your community without worry — Not-for-profit organizations seek successful individuals for their boards. However, they typically operate on tight budgets and carry minimal liability insurance. If you or your spouse sits on a not-for-profit board¹, we offer up to $1 million of protection on top of the organization’s existing coverage.
  

¹ Qualifying organization is defined in the policy as any not-for-profit organization qualifying under Section 501(c) (3), (4) or (7) of the Internal Revenue Code; some exceptions apply.