LIABILITY & EXCESS PROTECTION

Liability Insurance That Matches the Assets It Protects.

A successful life produces assets. It also produces liability exposure most people do not see until something happens. BCU builds umbrella and excess liability programs sized to the real risk, not the standard policy.

Umbrella and Excess Liability, Layered Intentionally

Liability is the part of an insurance program that protects everything else. If a claim ever reaches the family, it reaches through this layer first. Most clients have never seen their liability coverage mapped against what they actually own, which is the only way to know whether the number on the policy is the right one.

BCU structures liability coverage the way an attorney structures an estate plan. We look at the full picture of assets, household activity, and personal exposure, then we layer coverage to match. For many BCU clients, the correct number is well above the standard million-dollar default.

What a BCU liability program addresses

• Personal umbrella coverage sized to actual asset value
• Excess liability layered above the umbrella for higher-exposure clients
• Multi-property liability coordination across all residences
• Auto liability, including coverage for youthful drivers and household members
• Premises liability tied to domestic staff and household activity
• Board service liability for clients serving on nonprofit or corporate boards
  

When the Standard Umbrella Is Not Enough.

Clients usually come to BCU for liability coverage after a triggering event. A teenage driver added to the household. A new board seat. A domestic staff member. A sudden increase in net worth. Any of these can move a client past the point where their current umbrella is adequate.

Most Liability & Excess Protection clients share one or more of these characteristics

• Net worth meaningfully higher than existing umbrella limits
• Household members who drive, including teenage or young adult drivers
• Active board service on nonprofit or corporate boards
• Domestic staff working in the home
• Frequent hosting, entertaining, or short-term rental activity
• Public visibility that increases the risk of litigation
  

Liability Is Where Most Private Client Programs Are Weakest.

Review

We review current umbrella and excess limits against actual net worth, household activity, and known exposures. The gap is usually larger than clients expect.

Design

We structure the right mix of umbrella and excess coverage, coordinated with your property, auto, and personal policies so nothing falls between layers.

Advocate

If something happens, we represent you to the carrier until the matter is resolved. Liability claims are where carrier advocacy matters most.

Related Practice Groups

How Much Liability Coverage Do You Actually Need?

The answer is almost never the number your current policy shows. A BCU advisor can walk through your situation and give you a defensible number in a single conversation.