Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.
Excess Liability Insurance
Standard liability insurance may not always be enough to protect your business. In today’s litigious environment, a single catastrophic claim could exceed your policy limits, leaving your assets at risk. Excess Liability Insurance fills that gap, providing an extra layer of protection above your primary coverage.
What is Excess Liability Insurance?
Excess liability insurance increases the coverage limits of your existing liability policies. It does not broaden your coverage, but it protects your business from high-cost claims that exceed your standard policy limits.
Why Your Business Needs It
A large lawsuit or unexpected claim could threaten your business’s stability—even if you have strong underlying insurance. Excess liability insurance provides financial security by extending limits for:
General Liability Insurance
Protects against bodily injury, property damage, and related claims
Professional Liability Insurance
Covers errors or omissions in your services
Employment Practices Liability
Protects against workplace claims such as discrimination or harassment
Directors & Officers Liability Insurance
Covers management against claims of wrongful acts
Additional Coverage Options
To further strengthen your protection, we also offer:
Umbrella Liability
Broad, flexible coverage above your standard policies
Catastrophic Liability
Protection against extreme, high-cost claims
Excess D&O Insurance
Additional coverage for company executives
Customized Protection
Our team works closely with your business to design coverage that fits your specific risks and budget. With excess liability insurance, you can operate with confidence, knowing that your business is protected from unforeseen financial losses.
Protect Your Business Today
Don’t leave your company exposed. Contact us today to get a quote and expert guidance on excess liability insurance tailored to your needs.
If the losses to your house exceed the limits of your homeowner's policy, you need to pay the rest from your own pockets.
Solution
Excess Liability insurance will respond when the underlying liability limits of your homeowner's policy get exhausted.
Fire Coverage
Risk Factors
Your pick and drop van might face an accident and get damaged. You become liable for the damages caused and also for the lawsuits, if any.
Solution
If you use a car, truck, van, or combination of vehicles for your childcare business, then you need commercial auto insurance to cover damages and lawsuits in case of an accident.
Directors & officers coverage
Risk Factors
You may get booked for failure to comply with the workplace laws and get into lawsuits.
Solution
Excess liability insurance can pay for additional legal expenses if your primary policy fails to cover the entire expense.
Disaster Coverage
Risk Factors
Excess liability insurance can pay for additional legal expenses if your primary policy fails to cover the entire expense.
Solution
Excess Liability insurance will respond when the underlying liability limits of your policy gets exhausted.
Workers compensation coverage
Risk Factors
Your housekeeper/nanny slips on your premises while working and gets herself injured.
Solution
Excess liability insurance can pay for damages if your primary policy fails to cover the entire expense.
