Excess

Prestige Excess®

As your assets grow, you need to consider protecting them with excess liability insurance. Financial planners suggest having liability insurance at least equal to your net worth.

Fireman's Fund Prestige Excess policy supplements the basic liability coverage provided by your auto, home and watercraft policies. It provides coverage if you injure someone or are accused of slander.

  • Why you need excess liability insurance

    Prestige Excess®

    As your assets grow, you need to consider protecting them with excess liability insurance. Financial planners suggest having liability insurance at least equal to your net worth.

    Fireman's Fund Prestige Excess policy supplements the basic liability coverage provided by your auto, home and watercraft policies. It provides coverage if you injure someone or are accused of slander.

    To learn more, contact a > Fireman's Fund independent agent.

     

  • What if your guest is injured?

    Serious accidents don't happen very often, but if your dinner guest trips and falls on the carpet or if a child is harmed in the swimming pool, you may find yourself facing a major lawsuit that jeopardizes your assets.

    A Fireman's Fund Prestige Excess ® liability policy pays the medical bills for visitors who are injured on your property, and in the event of a lawsuit, Fireman's Fund defends you, pays legal fees and the settlement - up to the limits of your policy.

    To learn more, contact a > Fireman's Fund independent agent.

  • Does your teenager drive?

    Young drivers are prone to more accidents than other drivers.  If your child is at-fault in an accident, you could be liable for damages that exceed your auto insurance liability limits.

    A Fireman's Fund Prestige Excess® liability policy provides coverage for those expenses, and Fireman's Fund defends you, pays legal fees and damages up to the limits of your policy.

    To learn more, contact a > Fireman's Fund independent agent.

  • Why are uninsured drivers a risk?

    An estimated one in seven drivers is uninsured, and many others have only the required minimum limits, which may not be sufficient to pay for your injuries after an accident. You can protect yourself and your family with an Uninsured / Underinsured Liability endorsement to a Fireman's Fund Prestige Excess® liability policy.

    Fireman's Fund extends this protection beyond auto accidents to cover you wherever you are.

    To learn more, contact a > Fireman's Fund independent agent.

     

  • Do you serve on a non-profit board?

    In our litigious society, even your volunteer work on a nonprofit board can pose a risk to your personal assets. Many nonprofits cannot afford adequate coverage for their directors and officers, and you could be held personally liable in a lawsuit.

    Nonprofit Directors and Officers Liability Coverage is an optional endorsement that can be added to your Fireman's Fund Prestige Excess® policy.

    To learn more, contact a > Fireman's Fund independent agent.

     

  • Do you hire domestic employees?

    Every year, domestic employees file lawsuits seeking millions in damages from employers for allegations of wrongful termination, employment discrimination or sexual harassment. Even if the allegations are false, legal costs can be substantial.

    Fireman's Fund offers Employment Practices Liability Coverage as an optional endorsement that can be added to your Prestige Excess® policy. It covers defense costs and damages you are obligated to pay, up to the amount of coverage you buy.

    To learn more, contact a > Fireman's Fund independent agent.

     

  • Do you manage a family trust?

    If you serve as a trustee of a family trust or if you need to execute a will, you can be vulnerable to lawsuits for mismanagement of funds, property damage, and bodily or personal injury.

    Family Trust Management Practices Coverage protects you from acts, errors and omissions in your trustee duties. This protection is offered by Fireman's Fund as an endorsement to the Prestige Excess® policy.

    To learn more, contact a > Fireman's Fund independent agent.

     

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