Excess liability insurance in DuBois and throughout Pennsylvania.

Our excess liability coverage includes provisions for primary and secondary residences, private collections, identity theft, and even kidnap and ransom. When it comes to replacing the lost income of high earners, traditional insurance plans are insufficient.

Insurance is all about peace of mind, and excess liability insurance takes it to the next level. It works alongside your main insurance policy, most commonly one that covers costs you’d have to pay somebody else rather than your own costs.

An excess liability insurance policy only pays out if and when your main policy has paid out in full and has reached your coverage limit. The excess policy then kicks in to pay any remaining costs. This means an excess liability policy is less likely to pay out than a standard policy, in turn meaning the premium costs are comparatively lower.

The term “excess liability insurance” is often interchanged with “umbrella insurance” and the distinction between the two can be blurry. Some insurers use the distinction that umbrella insurance can cover some risks and situations not covered by the standard policy, while excess liability insurance simply adds on a higher payout limit. Because such distinctions in terminology aren’t always used consistently, you’ll need to check exactly what your policies offer.

To find out more about how excess liability insurance gives you that extra reassurance, contact us today.

Let’s discuss your excess liability insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate excess liability insurance solution. There’s no obligation, just good-old-fashioned advice.
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Foradora Insurance offers comprehensive excess liability insurance in DuBois, Brockway, Brookville, Clearfield, Falls Creek, Penfield, Punxsutawney, Reynoldsville, Ridgway, Sykesville and other areas within Pennsylvania.