for Key Staff, Principals, Affiliates and Exceptional Clients of
YOUR COMPANY LOGO GOES HERE
Excess Liability, frequently referred to as Personal Umbrella Insurance, is designed to cover you and your family for accidents you may cause, resulting in personal injury or property damage claims. This coverage provides you with an added layer of liability protection after your homeowners, auto, or watercraft primary liability is exhausted. Underlying primary insurance requirements are listed below.
Personal Liability exposure exists in many different and often unexpected forms. While everyone may have some liability exposure, affluent individuals, business owners, and highly compensated professionals are natural targets for lawsuits. |
Exceptional Risk Advisors, LLC
One International Boulevard, Suite 625
Mahwah, New Jersey 07495
Please direct all questions to Ted Tafaro or Charles Mays
Toll Free: 866-512-0444
Email:
ted.tafaro@exceptionalriskadvisors.com
charles.mays@exceptionalriskadvisors.com |
Coverage Highlights Include:
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Coverage is issued on a guaranteed basis - you will not be declined.
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Deeply discounted rates, particularly at the higher limits.
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Broad, worldwide protection for personal injury (including libel and slander), and property damage coverage that encompasses unlimited owned and non-owned vehicles, homes, and watercraft up to 99 feet in length; minimizes potential coverage gaps in individual policies.
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The highest coverage limits available in any group excess program-up to $50 million on one policy.
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Uniform rating structure, regardless of the number of homes, vehicles, or watercraft that you own.
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Excess uninsured/underinsured motorist protection of $1,000,000 is included. This coverage is designed to protect you should you be involved in an accident with an uninsured or underinsured motorist (where they are at fault).
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Flexible defense coverage, enabling individuals facing a claim to choose defense counsel from the AIG Companies Panel Counsel comprised of the nation’s preeminent litigation defense specialists.
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In addition, Expanded Defense Coverage reimburses you for expenses up to $10,000 to have your personal attorney “shadow” the case should you so desire.
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Defense costs paid outside of policy limits.
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Insuring Company:
American Specialty Lines Insurance Company (Non-Admitted) – An AIG owned Company
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| Total Limit of Liability |
Annual Cost per participating individual or family
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| $ 3,000,000 |
$ 483.37
|
| $ 5,000,000 |
$ 592.52
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| $10,000,000 |
$ 940.75 |
| $15,000,000 |
$ 2,344.07 |
| $20,000,000 |
$ 3,747.40
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| $25,000,000 |
$ 5,150.73
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| $50,000,000 |
$12,167.36 |
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Premium includes all applicable taxes and fees. |
This quote is subject to each named insured participant maintaining the
following underlying limits of liability:
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Personal Liability |
$300,000 |
Unregistered Vehicle |
$300,000 |
Personal Automobile Liability |
$250,000/$500,000 Bodily Injury |
|
$100,000 Property Damage or $500,000 Combined Single Limit |
Uninsured/Underinsured
|
$250,000/$500,000 Bodily Injury |
Motorist Protection |
$100,000 Property Damage or $500,000 Combined Single Limit |
Watercraft Liability |
$300,000 or
$500,000 (if 26 feet or longer, or more than 50 Horsepower)
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Employer’s Liability |
$100,000 |
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 AIG's Group Excess Liability Program offers a “Best In Breed” Personal Liability program, which is a critical component to your personal insurance portfolio. YOUR COMPANY NAME GOES HERE has leveraged their institutional purchasing power to deliver a powerful program. |
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