Overview

Average liability settlements in the US are over $1 million, yet the coverage you may have through your home, auto, or watercraft policies is typically limited.

A personal excess liability policy, or "umbrella" policy, provides additional coverage when the unexpected happens. It covers damages if you are legally obligated to pay to another party due to bodily injury, property damage, or personal injury, such as libel or slander.

The benefits of purchasing coverage as part of this program include:

Premium group pricing that is lower than purchasing this coverage individually
Access to higher coverage limits
Simplified underwriting requirements

Average liability settlements in the US are over $1 million, yet coverage through home, auto, and watercraft policies is typically limited. A personal excess liability policy provides additional coverage when the unexpected happens.

The Group Personal Excess Liability program is discontinuing effective 7/1/21.

For more information, please contact Traci Young at 1-702-804-7358 or traci.young@marsh.com .

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Why do I need excess liability coverage?

Common activities and circumstances can be the highest liability risk factors. Large claims for personal damages can stem from:

• Teenage drivers
• Social media use
• Home swimming pool
• Leasing a property
• Domestic employees

• Board membership
• Home entertaining
• Dog ownership
• Sharing vehicles

As you enjoy the lifestyle rewards of your career success, it's important to remember that the risk of facing a personal liability lawsuit increases with one's assets. And, individuals known to have substantial assets are particularly vulnerable.

How can I enroll?
To learn more, explore the Program Overview or Story Sheet documents in the Resources section, or click Enroll Now to access the enrollment form and see pricing.

Group Personal Excess Liability Webinar

Learn More

Rates presented are subject to change. Please refer to the enrollment form for current rate information.

How It Works

Case Example

Auto Accident

A woman suffered multiple facial fractures and emotional distress after the car she was a passenger in was hit head-on by the defendant's vehicle. The defendant was found guilty of driving at an excessive speed, failing to keep a proper lookout, and driving under the influence.

Settlement Amount: $3.5 million

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

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Don't I already have liability coverage through my homeowners or auto policies?

While you may have some personal liability coverage through your homeowners or auto insurance policy, that coverage is typically limited. As the "excess" in its name suggests, Personal Excess Liability coverage extends beyond the liability limits provided by the primary insurance policies for your home, automobile, watercraft, or other assets and provides more protection for your assets and lifestyle.
What is a "group" personal excess liability policy?
Purchasing personal excess liability coverage as part of a group program provides several advantages:
- Higher Limits of Liability - Personal liability limits high enough to protect those with substantial income and assets are not often available on an individual basis.
- Premium Group Pricing - Participants can typically take advantage of lower premiums than when applying for personal excess liability coverage as an individual.
- Simplified Underwriting Requirements - When enrolling in a group plan, participants may qualify without the evaluation of their personal history.
Who is eligible?

Eligible colleagues have been designated and will have received this offer and an RSVP link from the organization.
How much will this coverage cost?

Coverage costs are dependent on limit selection. Please click on “Enroll Now” to see specific costs by coverage limit. For limits of $20 million or $25 million, quotes will need to be obtained through Marsh Private Client Services. See Contact Us on this page for phone number.
How do I change my policy?

Changes must be submitted through Marsh Private Client Services. See Contact Us on this page for phone number.
What do I do if I have a claim?

Claims should be submitted through Marsh Private Client Services. See Contact Us on this page for phone number.

Contact Us

Marsh Private Client Services Mercer Voluntary Benefits 12421 Meredith Drive Urbandale, IA 50398
Phone 1-866-807-1166, Option 1
Hours M-F 8a-5p CT

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.

Group Personal Excess Liability