Our goal is to help you determine how much excess coverage you need, and get it for you at the best premium available.
Our home office, located in King of Prussia, PA, makes access to affordable excess liability insurance coverage convenient for all areas of the Delaware Valley, including Wayne, Norristown, Conshohocken, Plymouth Meeting, Phoenixville, Blue Bell, Broomall, Philadelphia and everywhere in between.
Often referred to as "umbrella insurance," excess liability coverage will provide you with additional liability protection, beyond the coverage offered by your basic auto, homeowners, or other liability insurance policies. With this type of policy, you will be better insured in the event of a costly law suit, where legal fees can easily exceed the cost of what your basic insurance policy covers.
Take, for instance, an incident where your homeowners insurance covers up to $300,000 in liability insurance, but a judge awards the victim $1 million in damages. Without excess liability insurance, you would be left responsible for the extra $700,000.
Simply put: the more assets you have, the more vulnerable you are. Without excess liability coverage, your current (and future) assets and income could be at an increased risk of being tied up in a high-cost judgment.