Excess Liability
Receive worldwide coverage against personal injury, property damage and catastrophic financial losses, and choose from the highest limits of liability available—up to $100 million per occurrence. In the event of a covered lawsuit, you may consult with us in the selection of legal counsel from a panel of pre-eminent defence specialists. Our policy even provides reimbursement of expenses for your own attorney to monitor the defence.
| COVERAGE FEATURE | WHAT IT MEANS | WHY IT MATTERS |
|---|---|---|
| Worldwide Coverage | Broad, worldwide protection for personal injury (including libel and slander) and property damage; unlimited owned and non-owned vehicles, homes and watercraft | Coverage responds at home or abroad |
| High Limits | Up to $100 million; available in increments of $1 million | Adequate asset protection for high net worth individuals; limit flexibility for precise coverage |
| Panel Counsel | In the event of a covered lawsuit, you may consult with us in the selection of legal counsel from a panel of pre-eminent defence specialists | Insurers typically do not permit personal involvement in one’s defence |
| Expanded Defence Coverage | Your personal attorney can participate in the defence strategy and be reimbursed for reasonable expenses; $10,000 included; up to $100,000 available | Allows you to play an active role in your defence |
| Worldwide Rented / Borrowed Auto Coverage | Covers damages for bodily injury and property damage you are legally obligated to pay resulting from a covered loss to a rented or borrowed automobile while in your use for up to 45 days | Generally excluded from most excess liability policies |
| Non-Profit Director's Errors and Omissions | Covers your actions when you are an officer or member of the board of directors for a non-profit corporation or organization or a condominium or cooperative association | Personal asset protection for those who donate their time back to the community |
| Uninsured/Underinsured Motorist Coverage (Optional) | Covers accidents involving underinsured or uninsured drivers; up to $10 million available | Adequate asset protection for high net worth individuals; limit flexibility for precise coverage |