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Personal Umbrella (Excess Liability) Insurance

A critical, but often overlooked, component of personal risk management.

Sometimes things go wrong – a car accident, a guest slips and falls on your property, a lawsuit. If you don’t have the right coverage, an unfortunate situation can compromise your financial security.


What is personal excess liability insurance?

Personal excess liability insurance can help protect you, your family, and your hard-earned assets. This type of coverage responds when the underlying limits of your other insurance policies, such as home, auto and watercraft, aren’t enough to cover the cost of an unexpected lawsuit or accident.

Personal excess liability insurance may also provide payments for when others don’t have enough coverage. For example, it can provide protection if you select optional excess uninsured motorist coverage and are involved in an accident with an uninsured or underinsured driver.


Personal Excess Liability Insurance Highlights

High Liability Limits

You'll benefit from some of the broadest umbrella liability limits available, ranging from $1 million to $100 million.

Worldwide Coverage

We cover our clients wherever life takes them – whether that's at home or abroad.

Protection in the Courtroom

We include defense costs for a lawsuit, even if it is groundless, false, or fraudulent. And we’ll also provide legal counsel and coverage for all expenses.

Maintain Your Reputation

Protection from lawsuits involving accusations of libel, slander, or negligent injuries—including cases originating from social networks, websites or blogs.

Drive With Confidence

Additional protection if you are involved in an accident with an uninsured or underinsured driver.

Protection at Home

Protection if you are liable for someone getting injured on your property. For example, if someone falls on your sidewalk, slips near your pool, or is injured by your pet.


Masterpiece® Personal Excess Liability Brochure

Help protect the people and life you love when the unexpected happens.

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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.