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Umbrella
(Excess Liability)

It is a critical, but often overlooked, component of your personal risk management portfolio.

The more you have acquired, the more you need to protect yourself and your family. Your financial security could be impacted due to accidental events you may have thought were adequately covered. Excess liability insurance responds when the underlying liability limits of your various other policies have been exhausted.

What we are doing for you

A Masterpiece® excess liability policy from Chubb offers broad coverage and limits ranging from $1 million to $50 million:

Property Damage and Bodily Injury

Coverage applies in the event that you are liable for someone being injured on your property.

Personal Injury

Chubb includes this important coverage which applies to situations such as lawsuits involving accusations of libel, slander, or negligent infliction of bodily injury.

Defense Costs

Chubb covers the cost to defend a lawsuit for covered damages, even if it is groundless, false or fraudulent. Chubb will provide legal counsel with coverage for all expenses incurred. In most states, there is no cap on this coverage.

Excess Uninsured/Underinsured (UM/UIM) Motorists Protection

Chubb offers up to $1 million in Excess UM/UIM coverage that provides benefits directly to you and your covered passengers if involved in an accident with an uninsured or underinsured driver.

The amount of excess liability coverage that is right for you depends upon your personal financial situation. Lawsuits may evolve into much more costly disputes than originally anticipated. Your assets could be targeted if you do not have adequate liability coverage for legal damages.

To determine an appropriate limit, work with your agent or broker to review all of your assets such as your house, other properties, automobiles, personal belongings and valuable collections, 401(k) investments, and college funds for your children.

Keep in mind all of your risk factors–some obvious and others not so obvious–such as the length of your work commute, the number of residences owned, domestic employees, vehicles and watercraft owned, and the online activities of household family members.

At Chubb, we’re about proactively managing, and minimizing, your risks. That's why excess liability coverage should be an important part of your portfolio.

Is your financial security at risk? An excess liability policy can mean real peace of mind.

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