Vault Excess Liability
Protect yourself from unique risks with personal liability coverage
Coverage Highlights
Excess Uninsured/Underinsured Motorist Coverage: If you or another covered person is injured in a collision involving an at-fault uninsured or underinsured driver, your primary auto policy may not provide enough coverage. Vault's optional excess uninsured/underinsurance motorist coverage helps fill the gap.
Excess Uninsured/Underinsured Liability Coverage: If you or an insured family member are injured by someone with no or inadequate insurance, we offer up to $1 million excess with this optional coverage.
Choice of Counsel: You may choose from a Vault-selected panel of leading attorneys specializing in the needs of affluent clients and knowledgeable of venues, judges, and plaintiff’s bar.
Employment Practices Liability Coverage: Vault provides up to $1 million in coverage for employment-related claims made by your domestic staff.
Not-for-Profit Director and Officer Liability Coverage: If you serve on a not-for-profit board, Vault provides coverage up to $5 million for liability exposure.
Crisis Management Coverage: Up to $25K to engage a crisis management firm approved by Vault to limit damages resulting from a wrongful employment act against your domestic staff.
Maria* Owns a Swimming Pool. During the Summer Months, She Often Hosts Gatherings.
Knowing the risks of having guests enjoy her pool, Maria decided it’d be best to look into excess liability coverage.Her Vault agent helped her find the best coverage amount for her situation to protect her from liability. Her agent also recommended some risk mitigation tips, including a pool enclosure, installing a retractable safety cover to close the pool when not in use, limiting alcohol around the pool, and having proper safety tools such as life vests.
Maria implemented these steps to reduce her risks and could host again with greater peace of mind.
*names and some details have been changed
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