Excess Liability Insurance
What is excess liability insurance?
Excess liability insurance is a policy that provides additional coverage above the limits of your existing liability insurance. It acts as a safety layer over policies like general liability, commercial auto, or employers liability. When a claim exceeds your primary policy limit, excess liability helps cover the remaining costs up to its own higher limit.
Excess liability insurance extends protection for large claims that go beyond your underlying policy limits, including:
- Bodily injury claims
- Property damage claims
- Personal and advertising injury claims
- Legal defense costs (when underlying limits are exhausted)
Excess liability insurance only applies after your primary insurance has paid out its full limit. It does not add new types of coverage, it increases how much protection you have.
Why Choose Turano Insurance?
- Family-owned and trusted since 1974
- Customized condo insurance policies
- Competitive rates and multi-policy discounts
- Fast, friendly, and reliable service
- Local expertise you can count on
