Skip to main content

Excess liability insurance takes your insurance protection to the next level.

Excess Liability Insurance - Father and Son Laughing as Dad Gives Son a Piggyback Ride as They Walk along the Beach Together in the Winter

Home » Personal Insurance » Excess Liability Insurance

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

More coverage means more protection.

Insurance is all about peace of mind, and excess 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 excess liability policy work?

An excess 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 an excess 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 excess liability coverage?

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

The difference between excess liability and umbrella insurance.

The term excess 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 excess 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 excess liability insurance may help bring you extra reassurance? Contact us to go over your coverage needs and options.

Find Your Coverage

We’re here to help you explore your coverage options.

Request Quote

Contact YMI Insurance

Our Allentown, PA Office

 484-891-3500

Our Bethlehem, PA Office

 610-868-8762

Our Stroudsburg, PA Office

 570-421-7300

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Excess Liability Insurance Quote Request

"*" indicates required fields

Name
Office location you would like to work with
Please do not include sensitive, private information in this area.

By submitting my phone number, I hereby authorize YMI Insurance to communicate with me through text messaging. Any data collected for/from text messages will not be shared with third parties for marketing purposes. By submitting the information, I am opting-in to periodic text messages from YMI Agency, Inc. I may opt-out at any time by responding STOP. Standard message and data rates may apply. Please see the Privacy Policy on our webpage for additional information, including our Terms and Conditions (https://ymiagency.com/privacy-policy/).

This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 570-421-7300 or .

Skip to content