Vault Excess Liability

Where there are exciting travels, opportunities, and experiences, there will inevitably be risks for high net worth individuals. These unique risks may not be sufficiently covered under an existing insurance policy.

Having personal liability coverage protects you and your financial security from possible exposure. With Vault Excess Liability, you’re protected.

Protecting What Matters Most

Vault offers high net worth personal insurance and customized solutions for individuals and families. We’re not just insuring assets, we’re reducing risks with data-driven technology to protect what matters mostcherished moments, family memories, and priceless legacies. ​

The Right Coverage for When Things Go Wrong

Excess liability coverage is an often overlooked area of risk management and many individuals who have it are underinsured. Certain lifestyle factors can make you more at risk for liability.

Lifestyle factors that can increase your liability risks include:

  • Owning a boat
  • Entertaining and hosting at your home
  • Employing household staff
  • Having a swimming pool on your property
  • Driving frequently, especially in states with a high rate of uninsured motorists
  • Having a dog at your home
  • Serving on a board for a not-for-profit organization
  • Being at risk for lawsuits due to status, fame, or posting frequently online
  • Traveling abroad often


What type of risks does excess liability protect you from?

After your primary coverage limits are exhausted on your home or auto policy, excess liability kicks in to cover in areas such as:

  • Bodily injury, medical and liability claims due to accidents at your home, driving a vehicle, a dog bite, and other incidents
  • Libel and slander lawsuits
  • Property damage caused by you or a family member
  • Wrongful employment lawsuits
  • Liability due to actions as a not-for-profit board member

Fastest Claims Response

Vault offers the industry’s best response time to claims. We respond to claims in under 2 hours from initial contact. Our average time for some form of payout is 48 hours, significantly faster than the industry average of 1-4 weeks.

Coverage Highlights

Excess Uninsured/Underinsured Motorist Coverage

In the event of a car accident involving an uninsured or underinsured driver, we have you covered. We offer high coverage limits to cover the excess.

Uninsured/Underinsured Liability Coverage

If you or an insured family member are injured by someone with no or inadequate insurance, we offer up to $1 million in coverage.

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, specializing in the needs of affluent clients, and knowledgeable of venues, judges and plaintiff’s bar.

Available Funds for Your Personal Attorney

Vault will cover up to $10,000 in legal fees if you choose your own personal attorney in 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. This includes discrimination, wrongful termination and sexual harassment.

Not-for-Profit Director and Officer Liability Coverage

If you serve on a not-for-profit board, Vault provides coverage up to $5 million for liability exposure.

Crisis Management Coverage

Up to $25K to engage a crisis management firm to manage emergency, disruptive situations.

*  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.


Maria* owns a swimming pool. During the summer months she often hosts gatherings.

Knowing the risks of having guests enjoy her pool, Maria decided it’d be best to look into excess liability coverage.

Her Vault agent helped her find the best coverage amount for her situation to protect her from liability. Her agent also recommended some risk mitigation tips, including a pool enclosure, installing a retractable safety cover to close the pool when not in use, limiting alcohol around the pool, and having proper safety tools such as life vests.

Maria implemented these steps to reduce her risks and could host again with greater peace of mind.

Learn more


*names and some details have been changed

Vault Risk Services

Where Others See Risk,
We See Opportunity.

At Vault, we know risk education and mitigation are key to reducing severity of loss. Protecting your assets is more than insuring them, it’s looking at the bigger picture to reduce all possible risks. Our team of experienced Risk Advisors provide all-encompassing risk management services to help proactively protect homes and valuables from water damage, fire, theft, natural disaster and more:


Vault Claims Services

More Than a Payment Process, It’s a Life Recovery Process.

Vault Claims Adjusters do what it takes to make a difference for our customers.

Where many have dealt with nightmare scenarios and endless back-and-forth with their insurance provider following a claim, those stories are non-existent at Vault. We focus on fast, flexible, and creative solutions to help you recover and recoup your losses.

We promise to respond to claims notifications within 2 hours of initial contact. Once damages are agreed upon, payment is issued on average within 48 hrs.


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