Personal Excess Liability

Offered by Orchid Insurance

Personal Umbrella Excess Personal Liability Personal Liability High Net Worth Umbrella


Excess liability insurance is a critical component of the personal risk management portfolio. It responds when the underlying liability limits of the various other policies have been exhausted. Orchid’s leading carriers such as Chubb, AIG, Nat Gen Premier and Vault offer extensive coverage for your most discerning clients. Here are a few key features Orchid can provide:

Comprehensive Coverage – Broad protection in the event that a liability loss exceeds the coverage limits provided by the primary insurance policies

Worldwide Coverage – Receive worldwide protection for personal injury (including libel and slander) and property damage; coverage also is provided for owned and non-owned vehicles, homes and watercraft.

Defense Costs – Coverage for defense costs and attorney fees are paid outside of policy limits

High Limits – Up to $100 million in coverage

Uninsured/underinsured Coverage (optional) – Coverage is available for accidents involving underinsured or uninsured drivers

Employment practices liability insurance (optional) – For those with private staff, protects against allegations such as sexual harassment, wrongful termination and discrimination

Not-for-profit board liability coverage (optional) – Coverage is available for those who sit on the board of a not-for-profit organization


Appointment Required

Carrier Information

Multiple Markets Available



Rating A- or Better

Rating By A.M. Best

Listing Contact

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Offered By

Orchid Insurance

33 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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