Personal Insurance
Umbrella / Excess Liability
Provides additional limits in excess of your homeowners policy and provides some coverage for claims that may not be covered by underlying policies.
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Additional liability limits above your underlying home, auto, and watercraft policies
- Catastrophic personal injury claims that exhaust the limits of primary policies
- Legal defense costs when underlying policy limits are insufficient
- Coverage for claims such as defamation, libel, and slander that may not be fully addressed by standard policies
- Worldwide liability protection in many cases, beyond U.S. borders
- Limits typically available from $1 million to $5 million or more
Who It's For
- Individuals with significant personal assets or future earning potential to protect
- Homeowners who host gatherings, have pools, trampolines, or other attractive nuisances
- Drivers with long commutes, teen drivers in the household, or high annual mileage
- Anyone who wants broader protection against the financial consequences of a serious liability claim