Excess Liability

Personal Excess

  • Catastrophic Financial loss could occur in seconds. Find peace of mind with Chubb Excess Liability Insurance.

The more you have acquired, the higher your risk for litigious encounters. Your financial security could become severely compromised 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. It is a critical, but often overlooked, component of your personal risk management portfolio.

Personal Excess Coverage Highlights

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, 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.

How much Excess Liability do you need?

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.

You don't have to be a millionaire to be sued like one. That's why excess liability coverage should be an important part of your portfolio.

Related Resources

Helpful Tips

An estimated 4.5 million Americans are bitten by dogs each year.* Standard homeowner policies may exclude liability coverage for certain breeds. Make sure you are covered. 

Source: Centers for Disease Control and Prevention Oct. 25, 2013


Disclaimer: This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.

The Real Deal about Excess Liability Insurance
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