Group Excess Program

Protection from lawsuits involving your family

This important form of coverage protects your immediate family from the risks of lawsuits they may cause or become involved in. Available in amounts of $5MM, $10MM, $15MM—or higher, if required—this coverage offers:

  • uniform rate structure, regardless of the number of homes and/or vehicles you own or lease
  • coverage for you and any family members in your household
  • excess uninsured/underinsured motorist coverage equal to the full limit of liability (not usually available on an individual basis)
  • no underwriting criteria

Excess liability coverage requires the following primary liability limits:

  • personal automobile liability/uninsured/underinsured motorist coverage of either $250,000/$500,000 (split-limit liability)
  • homeowners, watercraft, and employers liability of $300,000
  • watercraft exceeding 26’ must maintain $500,000 primary liability