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Excess Liability

Whether you’re traveling around the world or diving into new challenges and experiences, your world is full of excitement. Of course, that means it is also full of unique exposures. You’ve worked hard to be able to enjoy life. Having the wrong coverage or insufficient liability limits can pose the biggest risk to your financial security. Our excess liability policies ensure you are properly protected.

Coverage Highlights

Excess Uninsured/Underinsured Motorist Coverage

We offer high coverage limits to protect you if you are injured in an automobile accident caused by a driver with inadequate or no insurance.

Uninsured/Underinsured Liability Coverage

We offer up to $1 million in coverage in the event that the negligence of someone with inadequate or no liability insurance causes injury to you or an insured family member.

Defense Costs

Vault pays legal defense costs, over and above your liability policy limit.

Choice of Counsel

Vault provides access to a panel of leading attorneys, all of them expert in understanding the needs of the affluent client.

Available Funds for Your Personal Attorney to Monitor the Lawsuit

Vault pays up to $10,000 in legal fees incurred if you choose to have your personal attorney monitor a lawsuit against you.

Employment Practices Liability Coverage

Vault provides up to $1 million in coverage for employment-related claims made by your domestic staff, including discrimination, wrongful termination and sexual harassment.

Not-for-Profit Director and Officer Liability Coverage

Vault provides coverage limits up to $5 million to protect you from liability exposures associated with serving on not-for-profit boards.

*  Not all products and services may be available in all jurisdictions and the terms and conditions of all products are subject to the applicable policy language.