Group Personal Excess Liability Insurance

Coverage is offered up to $30M and available for Sponsor Organizations and Clients of Groups

Streamlined underwriting and simple enrollment process
Flexible rating structure based on coverage limit and participation
Programs can be sponsored, voluntary, or blended
Tailored coverage for Groups & Clients of Groups
Preferred pricing available for programs with participants who maintain underlying liability coverage with Vault (Homeowners, Automobile, Watercraft, Aviation)
Worldwide coverage and defense costs

Coverage Highlights

Excess Uninsured/ Underinsured
Motorist Liability Coverage:
Coverage for bodily or personal injury caused by someone who does not have any insurance or adequate insurance.

Kidnap Expense:
Coverage for expenses related to the kidnapping of or ransom for you or a family member.

Identity Theft Management Services:
Coverage and access to a dedicated fraud specialist to help repair and reinstate stolen identity.

Reputational Injury Expense:
Access to a dedicated fraud specialist for identity restoration support.

Shadow Defense Expense:
Coverage for legal review and defense monitoring by a law firm of your choice.

Loss of Earnings:
Coverage helps replace income you or a family member lose because of a covered claim.

Why It Matters for High-Net-Worth Families

Group Personal Excess Liability helps close critical coverage gaps when primary policies and other parties’ insurance aren’t enough.

Youthful or permissive drivers can create high-severity exposure.
Multi-vehicle households increase frequency and complexity of claims.
Property ownership elevates third-party property damage risk.
Lifestyle activities and daily mobility raise the likelihood of litigation.
Jury awards and settlement values continue to rise, quickly exceeding standard limits.

Complex lifestyles and shared exposures increase the risk of severe liability claims. When home or auto limits fall short, or others are underinsured, Vault’s Group Personal Excess Liability (GPEL) provides an added layer of protection to help safeguard personal assets.

Real Claims. Real Financial Impact.

When Property Damage Exceeds Standard Auto Limits

Vehicle Loss of Control Resulting in Structural Damage: An authorized driver lost control of the insured vehicle, crashing through a residential garage and causing extensive structural damage. While no injuries occurred, property damage exceeded
the underlying personal auto policy’s limits.

GPEL Outcome: Excess liability coverage responded beyond the $500,000 underlying auto limit, enabling settlement of the significant property damage claim.

Vault Group Personal Excess Liability