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Do you have a high dollar project you’ve had your eye on? Plan ahead by purchasing Excess Liability to cushion your policy!
Excess Liability provides additional liability limits in $1,000,000 increments over underlying policies, such as general liability and commercial auto. Extra liability requirements are expected when working on commercial or high-value residential projects.
For Example: You are working on a house worth $1,500,000, and while working you accidentally cause the house to burn down, your existing general liability policy will only pay $1,000,000 for any single loss. You will be stuck owing the remaining $500,000!
Excess Liability insurance is a type of policy that provides limits that exceed the underlying liability policy. It does not broaden the stated coverage, but will offer higher limits on the original policy. The primary purpose of Excess Liability insurance is to add a layer of protection in case the underlying insurance is exhausted of all possible resources.