Excess Liability Policy with the Woj Broker

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An Excess Liability Policy provides additional coverage beyond the limits of your existing General Liability, Commercial Auto, or Employers’ Liability policies. This type of insurance is essential for businesses seeking enhanced protection against large claims or lawsuits, ensuring that your assets are well-guarded against unforeseen financial risks.

• Offers higher liability limits than standard policies, providing an extra layer of protection against catastrophic losses
• Helps cover large settlements or judgments that exceed the limits of your primary insurance policies

• Generally, covers claims that fall within the scope of your primary policies, including bodily injury, property damage, and personal injury
• Can also address gaps in coverage that might exist in your underlying policies

• In many cases, the policy also covers legal defense costs associated with claims that exceed your primary policy limits
• This can significantly alleviate the financial burden of prolonged legal battles

• Provides reassurance that your business is protected against significant, unexpected liabilities
• Essential for businesses in high-risk industries or those with substantial assets to protect

Additional coverages may include:

• Worldwide coverage for certain international operations
• Coverage for specific risks related to your industry or business activities