Personal Excess Liability

Personal Excess Liability InsuranceExcess liability insurance is a critical component of the personal risk management portfolio. It responds when the underlying liability limits of the various other policies have been exhausted. Orchid’s leading carriers such as Chubb, AIG, and Nat Gen Premier offer extensive coverage for your most discerning clients. Here are a few key features Orchid can provide:

Comprehensive Coverage – Broad protection in the event that a liability loss exceeds the coverage limits provided by the primary insurance policies

Worldwide Coverage – Receive worldwide protection for personal injury (including libel and slander) and property damage; coverage also is provided for owned and non-owned vehicles, homes and watercraft.

Defense Costs – Coverage for defense costs and attorney fees are paid outside of policy limits

High Limits – Up to $100 million in coverage

Uninsured/underinsured Coverage (optional) – Coverage is available for accidents involving underinsured or uninsured drivers

Employment practices liability insurance (optional) – For those with private staff, protects against allegations such as sexual harassment, wrongful termination and discrimination

Not-for-profit board liability coverage (optional) – Coverage is available for those who sit on the board of a not-for-profit organization

*Coverage may vary by carrier and state

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