Personal Excess

Personal Excess Insurance

  • You do not have to pay a deductible in the event of a claim
  • Worldwide coverage
  • Covers “personal injury” lawsuits
  • Provides unlimited coverage for legal defense costs

You can find yourself involved in a lawsuit where your primary liability coverage may not provide enough protection. Chubb Personal Excess insurance can protect you against this risk.

Coverage Highlights

  • Personal Injury. Chubb covers “personal injury” lawsuits involving accusations of libel, slander, defamation of character, mental injury and wrongful eviction are covered.
  • Directors Liability for Non-profit Organizations. Chubb provides director’s liability coverage should you assume a board seat of a non-profit corporation or organization. Coverage is for personal injury and property damage only.
  • Unlimited Defense Costs. Chubb provides you with unlimited coverage for legal defense costs. Chubb also provides pre and post judgment interest coverage.
  • Uninsured Motorists. Chubb’s Excess Liability covers damages you are legally entitled to receive from the owner of an uninsured or underinsured motorized land vehicle*.
  • Rental Car Coverage. Coverage is included for cars rented up to 60 days anywhere in the world**.
  • High Limits. Limits up to $50 million are available for clients with significant assets to protect.
  • Worldwide Coverage. All liability coverages are worldwide**.
  • Full Protection. Worldwide homes, automobiles and watercrafts can be covered on the policy**.
  • No Deductible. Chubb’s Excess Liability policy has no self-insured retention so you do not have to pay a deductible in the event of a claim.
  • Broad Definition of Named Insured. Chubb’s definition of a covered person is one of the broadest in the industry.

*Coverage not available in Manitoba and Quebec.
**Territorial restrictions may apply.