Excess Liability Insurance provided by Browne Insurance Services

Sometimes things go wrong – a car accident, a guest slips and falls on your property, or a lawsuit. If you don’t have the right coverage, an unfortunate situation can compromise your financial security. Find out what Excess Liability (Umbrella) coverage is, and why it's important.
What is Excess Liability Insurance?

Excess Liability, sometimes known as an Umbrella policy, will respond when the underlying liability limits of your other policies, like homeowners or auto, have been exhausted. For example, if you were to be injured in a car accident and needed expensive surgery, you would be on the hook to pay for any costs beyond what the at-fault driver’s own Liability limits would cover. This is where Excess Liability coverage would kick in to help cover those unexpected costs.

What are the types of Excess Liability Insurance Coverage?

Ultimately, there are two types of excess liability insurance and there is an important difference between excess liability insurance and umbrella liability insurance.

Excess liability insurance pays for claims in excess of existing policy limits based on the underlying scope of coverage only or what is often referred to as on a follow form basis. Separately, the umbrella liability insurance serves three purposes:

  • It provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims;
  • It drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and
  • It provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).
What is the Importance of Excess Liability Insurance?

Excess Liability Insurance is important because it can increase your coverage for

  • Lawsuits and legal expenses related to your business
  • Property damage and bodily injury cases such as slips and falls
  • Additional protection for your Commercial Auto insurance policy

And other excess liabilities on top of your primary policy

Talk to us today to know more about Excess Liability insurance. 

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As an independent agency, Browne Insurance Services
Helps you find the right Excess Liability Insurance Coverage
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Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • Property Coverage
  • Auto Coverage
  • Workers Compensation Coverage
  • Disaster Coverage
  • Directors & Officers Coverage
  • Medical Payments Coverage

Property Coverage

Risk Factors

If the losses to your house exceeds the limits of your homeowners policy, you need to pay the rest amount from your own pockets.

 

Solution

Excess Liability insurance will respond when the underlying liability limits of your homeowners policy gets exhausted. 

Auto Coverage

Risk Factors

If the losses to your car exceeds the limits of your auto policy, you need to pay the rest amount from your own pockets.

Solution

Excess Liability insurance will respond when the underlying liability limits of your auto policy gets exhausted. 

Worker Compensation Coverage

Risk Factors

Your housekeeper / nanny slips in your premises while working and gets herself injured

Solution

Excess liability insurance can pay for damages if your primary policy fails to cover the entire expense.

Disaster Coverage

Risk Factors

If your swimming pool is damaged due to a natural peril but your insurance isn’t sufficient for the losses, you may end up paying them by yourself.

Solution

Excess Liability insurance will respond when the underlying liability limits of your policy gets exhausted. 

Directors & Officers Coverage

Risk Factors

You may get booked for failure to comply with the workplace laws and get into lawsuits.

Solution

Excess liability insurance can pay for additional legal expenses if your primary policy fails to cover the entire expense.

Medical Payments Coverage

Risk Factors

A guest who came for your weekend party gets injured in your premises and the medical expenses are to be borne by you.

Solution

Excess liability insurance can pay for any additional medical expenses if your primary policy fails to cover the entire expense.

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