Excess Liability

Excess 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.


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 specifics may vary by state and carrier.

Get Appointed

As an Orchid-appointed partner, your agency’s success is our priority. You can rely on our dedicated support and expertise to offer your clients best-in-class service.

Start Quoting

Orchid online quoting is your quickest and most convenient resource for paperless quoting and binding.