Personal Excess Liability

Personal Excess Liability

The Total Package to Protect Your Lifestyle


Your Home and Auto policies provide excellent basic liability coverage. Excess Liability Insurance goes the extra mile to deal with the possibility of catastrophic or frivolously expensive legal liability. Low-cost Personal Excess Liability Insurance is available in $1 million increments. Add $1 million to $10 million in coverage to your CIG Home+Auto™ policy to install additional protection that shields you and your loved ones.

Excess Liability Insurance defends you against financial loss
arising from lawsuits due to:

  • Physical injury or wrongful death of another person due to an accident or negligence
  • Damage to property belonging to another person or company for which you are liable
  • Civil, economic, or emotional injuries, such as false imprisonment, wrongful eviction, libel, slander, defamation of character, invasion of privacy, or emotional suffering

We provide legal defense, whether the lawsuit is justified or not. Our obligation to defend ends when we have paid out damages equal to the policy limits.

If you are held legally responsible, economic damages may be assessed against you for injured parties’ lost wages, medical bills, and expenses, as well as for traumatic damages, such as pain, suffering, humiliation, or distress.

Settlements, even without an attorney, can be costly. And what if a personal-injury attorney seeks a large award against you or a family member? Would you be able to afford the cost of legal defense? Without the appropriate amount of insurance coverage, your entire net worth could be in jeopardy.

Why Consider CIG Excess Liability Insurance?

  • Your net worth needs to be shielded to protect your current and future quality of life.
  • You entertain guests or have visitors on premises.
  • You make auto trips, have a long commute, or have multiple drivers in your household.
  • Your lifestyle, wealth, or visibility may invite frivolous or “deep pocket” lawsuits.
  • You travel to unfamiliar areas or away from your home.

It Makes Good Sense

  • Excess Liability provides additional protection over your home and auto liability coverage for rental properties or recreational vehicles.
  • Our affordable rates are lower than or competitive with most other liability policies.
  • You can custom design your coverage to fit your exposure — in increments from $1 million to $10 million.


Find a CIG Insurance Agent

Coverage descriptions are for illustrative purposes and are intended solely to provide a general overview of potential coverage. Information included does not represent a contract or any other obligation. Only an insurance policy can define actual terms, conditions, rates, and exclusions. Please consult your CIG Insurance Agent for complete details. Coverage is available from CIG for Homeowners, Renters, Condo Owners, and your personal automobiles in California, Nevada, Oregon, and Washington. Types of policies and coverage may vary from state to state.

CIG – Capital Insurance Group