Jumbo Excess Liability
High-limit defense for your personal wealth and future earnings. We structure Jumbo Excess Liability (Personal Umbrella) policies designed to provide a critical layer of protection above your standard underlying limits, helping shield your assets from catastrophic lawsuits and targeted litigation.
The Liability Risk Profile
As your wealth and public profile grow, you become a prime target for high-dollar litigation. Standard home and auto policies max out at liability limits that are wholly insufficient to protect a high-net-worth balance sheet. In today’s litigious environment, a single severe accident, a guest injury at your estate, or a lawsuit involving domestic staff can easily exhaust standard limits and expose your personal assets and future earnings. Protecting your financial legacy requires a Jumbo Excess Liability policy engineered to absorb the shock of severe legal judgments.
Core Coverage Considerations
A foundational private client liability strategy goes far beyond minimum limits and typically includes these specialized features.
Extended Liability Limits ($10M to $50M+)
Designed to provide massive layers of additional settlement and legal defense coverage once your underlying auto, home, or watercraft liability limits are exhausted.
Uninsured & Underinsured Motorist Protection (UM/UIM)
An often-overlooked but critical enhancement. This is designed to help pay for your own family’s severe medical bills, lost wages, and recovery costs if you are severely injured by an uninsured or underinsured driver, extending your protection beyond your primary auto policy.
Personal Injury & Defamation Defense
High-profile individuals are uniquely susceptible to non-physical lawsuits. This coverage is designed to help provide defense and settlement funds for claims alleging libel, slander, defamation of character, or false arrest.
Non-Profit Directors & Officers (D&O) Extension
Many affluent individuals serve on boards for non-profits or charities. Jumbo umbrella policies can often be structured to help protect your personal assets if you are sued for decisions made while serving in a volunteer board capacity.
Worldwide Liability Protection
Unlike standard policies that often restrict coverage territorially, a private client umbrella is designed to help protect you against liability claims globally, offering seamless defense whether you are at home or traveling internationally.
Want a review of your personal liability portfolio?
Basic policies can leave high-value assets exposed. Let us help you build a plan designed to help protect your net worth.