Liability insurance takes your insurance protection to the next level.

Worried about reaching your coverage limit? Liability insurance may help cover excess costs.

More coverage means more protection.

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

How does your liability policy work?

An liability 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 a liability policy is less likely to pay out than a standard policy, in turn meaning the premium costs are comparatively lower.

  Why should you have liability coverage?

No matter what kind of insurance you have, there are always limits that are part of your policy. With liability insurance, you may be able to avoid unexpected costs if your liability limits are reached.

The difference between liability and umbrella insurance.

The term liability is often interchanged with an umbrella policy, 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 liability 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.

Want to find out more about how liability insurance may help bring you extra reassurance? Contact us to go over your coverage needs and options.