Group Excess Liability | Personal Insurance Overview

Personal insurance pricing has been rising steadily over the past several years, and many coverages are being reduced or entirely withdrawn in certain markets. These changes come when the risk environment is growing more complex, further amplifying the importance of robust and comprehensive coverage. 

What is Group Excess Liability Coverage?

Group excess liability insurance offers an alternative solution to preserve and protect what matters to you most. These policies are available to companies with more than 25 employees and groups of professionals or executives. The coverage provides a simple method to purchase enhanced coverage with increased limits at favorable rates.  

• Liability coverage broadened to include: 
  • Shock
  • Mental Anguish / Injury
  • Sickness / Disease
  • Death
  • False Arrest / Imprisonment
  • Wrongful Detention
  • Malicious Prosecution
  • Wrongful Entry or Eviction
  • Defamation of Character
  • Invasion of Privacy 
• Unlimited defense costs not covered by underlying liability insurance
• Coverage for incidental business and farming pursuits related to volunteer, charitable and at-home or away-from-home business
• Coverage for large and personal watercraft rentals 

A Group Excess solution can help protect against lawsuits that could put your personal assets, such as homes, valuable possessions, investments and future earnings at serious financial risk. With today’s evolving risk environment and the increasing cost of personal insurance, ensuring you have the comprehensive protection is more critical than ever.