High Profile Personal Excess Liability

High-Profile Personal Excess Liability Overview

PURE Programs provides Excess & Surplus (E&S) personal excess liability insurance for high-profile individuals. Coverage is offered for professional athletes, including first contract athletes and rookies; entertainers, including A-list actors and actresses, comedians and TV and radio hosts; musicians; and high level political figures.

Personal Excess Liability

– Up to $10 Million in Personal Excess Liability coverage and up to $5 Million in Excess Uninsured/Underinsured Motorist Coverage is offered. Optional coverages designed for High Net Worth individuals and families are available. $500,000 underlying limit is required, with the option to buy down to $300,000 underlying limit.

Excess of Excess

– Up to $10 Million in Personal Excess Liability coverage is offered with a required $1 Million underlying limit.

We provide best-in-class claims service, and our granular pricing approach considers customers’ individual risk factors, such as driving experience and number of drivers in the household.

About E&S

Excess & Surplus products are typically for unique risks that standard “admitted” insurers will not write. Admitted insurers are licensed and regulated by the states they operate in. E&S products are provided by non-admitted insurance companies that aren’t subject to most of the rate and form regulations that govern admitted insurers. PURE Programs policies are underwritten by independent insurers who are rated A- "Excellent" or better for financial strength by A.M. Best.

PURE Programs Benefits

Best in Class Claims Service

Experienced in-house adjusters handle claims fast, efficiently and empathetically

Smart Billing

Customers are automatically enrolled into a quarterly installment plan at no charge

Immediate Policy Delivery

Policy documents are available electronically once the policy is bound

Highlights of core policy coverages include:

Worldwide Protection: Customers are covered at home, on the road or abroad, including while renting a vehicle.
Defense Outside of Limits: Legal defense costs for claims of bodily injury, personal injury and property damage are covered – even if the suit is groundless, false or fraudulent – and do not reduce the amount available to pay damages. This includes claims of bodily injury, defamation, libel, slander, wrongful entry or eviction and emotional distress.
Choice of Counsel: Customers can choose representation from a panel of trusted attorneys and defense counsel.
Expanded Defense: We offer up to $10,000 to reimburse any fees incurred by personal attorneys and defense counsel should a customer choose to employ them to shadow a case.

Optional coverages include:

Excess Uninsured/Underinsured Motorists Coverage: Option to buy from $1 Million to $5 Million in coverage to respond in excess of primary UI/UM coverage in the event of an automobile accident with an at-fault driver who is not adequately insured.
Uninsured Liability Coverage: Option to buy up to $1 Million in coverage for protection against non-automobile related incidents involving uninsured or underinsured individuals.
Employment Practice Liability (EPLI) Coverage: For customers who employ private staff, option to buy up to $1 Million in coverage to respond in cases of allegations of wrongful employment acts, such as wrongful termination and discrimination. Includes up to $25,000 for the services of a crisis management firm.
Not-for-Profit Directors & Officers (D&O) Liability Coverage: For customers who serve as not-for-profit board members, option to buy up to $5 Million in coverage in case they are held liable for the actions or inactions of the organizations they serve.

Currently available for individuals and families with homes in:

California, Connecticut, Florida, Massachusetts, New York and Texas

Resources:

High Profile Personal Excess Liability Highlight Sheet

Personal Excess Liability Coverage Comparison

Solution Example

High Profile Excess Liability

A well-known fashion designer in California needed an excess liability solution to cover his primary home and a rental property. Due to the individual’s high profile, admitted carriers declined to write coverage. PURE Programs was able to craft a solution for these locations with $10 Million in coverage.

E&S High-Profile Personal Excess Liability Insurance