Even with the greatest amount of caution, accidents can and do happen, and anyone with significant assets must take the proper steps to protect themselves. Liability coverage protects your assets if you or a member of your household is responsible for injuries to a third party or damage to their property. It also pays for legal expenses you incur as a result of the claim, outside the limits of the policy and with no deductible. Excess ("Umbrella") liability coverage supplements coverage on your homes, autos, watercraft, and other assets in the event that lower limits on those items are exhausted by a large claim, while Group Personal Excess liability coverage purchased through a business or family office is a cost-effective way to ensure you are fully protected.
At Bullen, we believe this coverage is the most important component of a comprehensive risk management solution and is often overlooked. We will work with you and your team of trusted advisors to determine the appropriate amount of liability insurance for you and your family.