Commercial Excess Liability

The Commercial Excess Liability Policy provides protection against third party claims which exceed the policy limits provided by the Insured's primary underlying policies. The primary insurance program must cover all the insured's known liability exposures and must be a comprehensive form.

Protection is afforded for claims arising out of farm/ranch operations, personal activities and can even include auto.

Our Commercial Excess Policy provides added protection for equine, grain, live-stock or any farm business when we provide the primary Farm Personal Liability. Underlying automobile liability policies may be added whether or not we provide the underlying coverage. Auto policies not written by us must be with an “A-” A.M. Best rated carrier or better and meet the underlying limits requirement.

Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.