Personal Excess Liability

High-limit protection when everything is on the line.

Your wealth demands more than basic coverage. Our personal excess liability policies (also known as umbrella insurance) provide an extra layer of defense against lawsuits, personal injury claims, and unexpected legal risks — wherever life takes you.

What We Cover

  • Liability beyond home, auto, or watercraft policy limits

  • Personal injury (libel, slander, defamation)

  • Property damage caused by you or your household

  • Incidents involving domestic staff or service providers

  • Legal defense costs

  • International coverage options

  • Excess uninsured/underinsured motorist protection

  • Coverage for multiple homes, vehicles, and staff under one policy

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Key Features

  • Coverage from $1M to $100M+
    Tailored limits based on your assets, risk exposure, and lifestyle.

  • Worldwide Protection
    You’re covered globally — from real estate lawsuits to overseas incidents.

  • Defense Costs Included
    Legal defense is covered even if you’re not found liable.

  • Family & Staff Extension
    Includes spouses, dependents, and domestic employees.

  • Custom Structure Options
    Layered liability across trusts, LLCs, or personal holdings.

Ideal For

  • High-net-worth individuals with multiple properties or luxury vehicles

  • Public figures or anyone at higher risk of being sued

  • Families with staff, nannies, or household employees

  • Clients seeking full protection of personal wealth and estate