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Group Personal Excess Liability Insurance

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Added Protection for Groups, Executives and Family Offices

When it comes to safeguarding personal assets and financial security, even the most complete home, auto, or watercraft policies have limits. Group Personal Excess Insurance provides an added layer of liability protection for individuals affiliated with a participating group — such as company executives, family office members, affinity groups, or professional associations.

This coverage helps protect your family, lifestyle, and future income from costly liability claims that exceed the limits of your underlying policies. It's a sophisticated solution that delivers high-limit protection, often with group pricing advantages and simplified enrollment.

Tailored Coverage for Affluent Households and Family Offices

Group Personal Excess Insurance offers a streamlined way to secure high liability limits with broad worldwide protection. Brown & Brown's Private Client specialists design and administer programs that provide this valuable coverage to executives, families, affinity groups and both single and multi-family offices.

Available coverage may include: 

  • Liability protection beyond the limits of primary home, auto and yacht insurance
  • Worldwide coverage for incidents at home or abroad
  • Legal defense costs — even for unfounded or fraudulent claims
  • Protection for injuries occurring on your property, such as slips, falls, or pet-related accidents
  • Coverage for incidental business and volunteer activities
  • Reputation and privacy protection for claims involving defamation, libel, or slander
  • Additional protection if involved in an accident with an uninsured or underinsured driver
  • Excess coverage may be available for recreational and some specialty vehicles — including RVs, motorcycles, ATVs, and other sport vehicles

Benefits of a Group Personal Excess Liability Program

Group programs simplify access to high-value protection while offering unique advantages:

  • Cost efficiency: Group-rated premiums are often lower than comparable individual policies
  • Higher coverage limits: Access to higher liability limits than those typically available on individual programs
  • Simplified enrollment: Many programs require no individual underwriting, making eligibility straightforward and less complicated
  • Broadened protection: Coverage can extend to family members and other residents of the insured household
  • Unlimited defense costs: Legal defense expenses are typically covered in addition to policy limits
  • Comprehensive liability terms: Protection may include claims related to bodily injury, property damage, wrongful detention, defamation, or invasion of privacy

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Who May Qualify for Group Personal Excess Liability Coverage

Group participants can select from a range of liability limits and corresponding premiums, ensuring flexibility to meet individual needs. This structure enables participants to secure high-level protection under a single group policy — without the administrative burden of multiple applications.

Group Personal Excess Liability programs are typically available to:

  • Companies with 25 or more executives or professionals
  • Family offices and multi-family offices
  • Professional associations or affinity groups

Consultative Guidance and Coordinated Protection

Brown & Brown's Private Client team brings clarity to complex liability exposures. We help you evaluate existing coverage, identify potential gaps, and explore how to integrate group excess insurance into your overall protection strategy. Our advisors coordinate your excess policy with other coverages — including homeowners, auto, yacht, and umbrella — to help align across all programs.

Building Confidence for What's Next

Brown & Brown helps you strengthen your financial protection with coverage designed for today's evolving risks. Whether offered as an executive benefit, a family office solution, or part of a professional group program, Group Personal Excess Insurance provides confidence that your lifestyle and assets are protected against life's unexpected events.

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Connect With Brown & Brown

Connect with a Brown & Brown specialist to learn how a Group Personal Excess Liability program can help protect your lifestyle and assets. Schedule a consultation with our team to explore tailored solutions for executives, family offices, and affinity groups.

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