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We’ve all heard stories about individuals hit with enormous liability verdicts that eliminate most or even all their wealth.  But these aren’t just cautionary tales for high-profile individuals—everyone needs liability insurance as personal settlements continue to increase.

Schedule a complimentary personal risk management review today for a customized liability insurance solution. 

Benefits of Liability Insurance

Personal excess liability coverage protects your assets from personal injury, bodily injury, and property damage lawsuits.

  • High-limit, flexible coverage options up to $100 million
  • Legal counsel and defense costs
  • Reputational repair for covered losses related to libel or slander
  • Optional uninsured/underinsured motorist coverage
  • Dedicated claims advocacy helps resolve claims quickly and with as little disruption as possible

Choosing the right amount of protection

Excess liability insurance, sometimes called an umbrella policy, is designed to protect your assets from personal injury, bodily injury, or property damage lawsuits. But how much coverage do you need? The answer to this question is different for everyone and depends on your unique circumstances. Your current net worth is a good place to start, but keep in mind that an unfavorable verdict may also put your future assets at risk.

An MMA PCS personal risk advisor can help you understand the differences between the coverages and services offered by different insurance carriers, some of which may not offer the high liability limits you require. They can also help make sure the liability components of your auto, home, watercraft, umbrella, and other personal insurance policies work together as a seamless plan.

Common sources of liability risk

The chances of facing a massive lawsuit may seem low, but it’s not only the wealthiest individuals who face large lawsuits. There are many reasons someone could file a lawsuit against you for personal damages.

How many of the following common sources of liability risk apply to your life?

  • Teenage drivers in your household
  • Domestic employees
  • Not-for-profit board membership
  • Social media use
  • Home entertaining
  • Dog ownership
  • Home swimming pool

The good news is, with the right liability coverage in place, you can have peace of mind knowing you’re protected. 

Client advocacy in action

Personal excess liability covers pedestrian’s $2 million injuries


A client’s teenage daughter lost control of her vehicle while on the phone and hit a pedestrian at a bus stop. The pedestrian sustained major injuries and required extensive care and rehabilitation. 


Our claims team was able to work with the insurer to come to a prompt settlement.  As a result, the injured pedestrian was taken care of with payments from the auto policy and the personal excess policy. Without that extra layer of liability coverage, our client would have been responsible for $1.5 million out-of-pocket to address the settlement.

Your next steps

We make it simple to get the right amount of liability coverage for your extraordinary lifestyle. Schedule a personal risk management review today and find out how much liability protection you need.

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