Skip to content

Vault Excess Liability

Protect yourself from unique risks with personal liability coverage

The Right Coverage for When Things Go Wrong

Excess liability coverage is an often overlooked area of risk management and many individuals who have it are underinsured. Certain lifestyle factors can make you more at risk for liability.

  • 01 Lifestyle Factors
  • 02 Risk Types

Lifestyle factors with increased liability risks include:

  • Owning a boat
  • Entertaining and hosting at your home
  • Employing household staff
  • Having a swimming pool on your property
  • Driving frequently, especially in states with a high rate of uninsured motorists
  • Having a dog at your home
  • Serving on a board for a not-for-profit organization
  • Being at risk for lawsuits due to status, fame, or posting frequently online
  • Traveling abroad often

Types of risks excess liability can protect you from:

After your primary coverage limits are exhausted on your home or auto policy, excess liability kicks in to cover in areas such as:

  • Bodily injury, medical and liability claims due to accidents at your home, driving a vehicle, a dog bite, and other incidents
  • Libel and slander lawsuits
  • Property damage caused by you or a family member
  • Wrongful employment lawsuits
  • Liability due to actions as a not-for-profit board member

Coverage Highlights

Vault Excess Uninsured/Underinsured Motorist Coverage:
In the event of a car accident involving an uninsured or underinsured driver, we have you covered. We offer high coverage limits to cover the excess.
Vault 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 in coverage.
Vault Defense Costs:
Vault pays legal defense costs, over and above your liability policy limit.
Vault Choice of Counsel:
Vault provides access to a panel of leading attorneys, specializing in the needs of affluent clients and knowledgeable of venues, judges, and plaintiff’s bar.
Vault Available Funds for Your Personal Attorney:
Vault will cover up to $10,000 in legal fees if you choose your own personal attorney in a lawsuit against you.
Vault Employment Practices Liability Coverage:
Vault provides up to $1 million in coverage for employment-related claims made by your domestic staff. This includes discrimination, wrongful termination and sexual harassment.
Vault 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.
Vault Crisis Management Coverage:
Up to $25K to engage a crisis management firm to manage emergency, disruptive situations.
* Not all products and services may be available in all jurisdictions and the terms and conditions of all products are subject to the applicable policy language.

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 
A luxury home with a striking clay roof, palm trees, and a sparkling pool safeguarded by a Vault policy, allowing owners to live more and worry less.

Experience The Vault Difference

Why choose Vault? Because we offer exceptional customer service, the fastest claims response time, and industry-leading custom insurance solutions.

Ready to Work with Us?

For potential customers with homes valued over $2 million:


For agents and brokers looking to partner with us, submit your application: