Excess & Umbrella Liability

Thirty years ago, a million-dollar judgment for an insurance claim was unheard of. Today, nearly 1 in 10 firms has suffered a liability loss of $5 million or more over the past 5 years. Judgments and settlements exceeding $10 million are commonplace.

Consider these examples of large losses a business may face:

	Scenario: A truck driver attempted to pass a vehicle. During the attempted pass, the truck collided with another vehicle. Result: Verdict of $20,625,000 for brain damage suffered by the injured party.
	Scenario: A child suffers food poisoning after eating improperly cooked meat at a restaurant. Both the restaurant and meat supplier are sued for injuries. Result: Award of $15,600,000 for food poisoning due to negligent preparation of meat.

It is easy to see that a company can be devastated by a single loss. Chubb's Umbrella and Excess liability insurance products take primary policies one step further, providing additional protection against catastrophic loss locally and worldwide.

The Better Umbrella is Now Even Better

Peace of mind. When a company experiences a crisis, it wants expert advice on how to respond. Learn more about Chubb’s
Excess Umbrella Crisis Assistance.

Umbrella Liability

Business owners must continue to take risks to thrive and grow. Where primary policies end, Chubb’s Umbrella Liability begins, providing flexible protection with two separate insuring agreements.

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Excess Liability

No business is immune to catastrophic loss. Chubb's significant excess liability limits help companies construct a liability program with fewer carriers and reduce concern over coverage differences.

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Continuum

Businesses are constantly changing and the marketplace unpredictable. Liability losses can occur at any point in a company’s lifecycle. Continuum from Chubb provides protection that reaches into the past while anticipating the future.

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