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Provides additional liability limits in excess of those provided by your Personal Automobile and Homeowners policies when they are not enough to protect your assets or meet your risk tolerance.  Some important features of this product are:


  • Uninsured/Underinsured Liability – Protects you if you suffer loss at the hands of someone who has no or insufficient insurance.
  • Legal Defense Costs – Coordinates and pays for legal defense costs without reducing your liability limit.
  • Private Consultation – Pays reasonable expenses for a law firm of your choice to review and consult on your legal defense.
  • Reputation Damage – Covers fees for a public relations firm to protect your reputation.
  • Employers Liability – Covers bodily injury for your private staff.
  • Employment Practices Liability – Covers actual or alleged employment related lawsuits against you.
  • Directors & Officers Liability – Covers you for acting as an unpaid board member or trustee of a not-for-profit organization.
  • Family Trust Option – Covers damages you incur resulting from duties performed as a trustee of a family trust.