Excess liability that's actuallyclearstackedyoursconsideredclear
An estate needs liability limits that match its assets, not a round number. We size the umbrella to your net worth, coordinate the underlying policies, and review it by appointment.
Excess liability, line by line.
What a high-value umbrella adds, and why size matters at this level.
| Coverage | What it covers | Good to know |
|---|---|---|
| High excess limits | Liability stacked well above the underlying | $5M to $10M layers are common here |
| Excess over home and auto | Coverage above each underlying policy | We confirm every base policy connects |
| Personal injury | Libel, slander, and certain suits | Often broader on a high-net-worth form |
| Not-for-profit board liability | Service on charitable and association boards | A common exposure the affluent overlook |
| Domestic employee coverage | Liability tied to household staff | Coordinated with the staff coverage itself |
| Worldwide coverage | Liability that follows you, not your address | For travelers and multi-home owners |
An umbrella requires set limits on the policies beneath it. We line them up so the layers connect cleanly.
Are your limits sized to your assets? Let us review the whole estate, free.
Neighbors we’ve actually helped.
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“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
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“Happy with the service and savings”
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Excess liability, answered.
The questions estate owners ask first.
Enough to sit over your real net worth and future income, not a round figure. At the estate level that often means several million in layers. We size it to your assets and the limits it has to coordinate with.
A high-net-worth umbrella often includes liability for service on nonprofit and association boards, a real exposure for many affluent households. We confirm it is on.
An estate umbrella can extend over liability tied to domestic employees, coordinated with the staff coverage itself. We make the two work together.
Yes. We review the full estate, including the underlying home and auto, before placing the umbrella.
By appointment
Request an estate review. We will size the umbrella to your assets, free.
An umbrella sits over
Household staff
Employ help at home? The umbrella coordinates with that coverage.
Explore staff coverage