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Personal Lines


Personal Excess

HM Risk: Excess. Gavel photo.

You have your Homeowners and Auto policies but are they enough in the event of a loss? A Personal Umbrella policy provides additional liability coverage in the event you are faced with a claim or lawsuit that exceeds the limits of your home and auto policies. HM can help you understand your risks and place coverage on your behalf based on this analysis.

Coverage Highlights:

  • World Wide Coverage Personal excess liability insurance – responds after the liability limits in an underlying policy are exhausted, providing another layer of liability coverage to protect your personal assets in the event of a lawsuit.

  • Coverage is available in $1 million increments.

  • Defense costs – typically outside policy limits.

  • Uninsured or underinsured coverage offered-up to limits of $10,000,000.

  • Employment practices liability insurance – protects against allegations of employment-related offenses, discrimination, sexual harassment, and wrongful termination.

  • Not-for-profit organizations- provide personal liability coverage for the individuals that sit on the Not-for-profit boards.

Each insurance carrier we represent offers a variance of coverage and eligibility requirements may apply to these coverages.

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