Excess Liability

Additional limits of liability are critical to your business

It’s in the news. You hear more and more about massive jury awards that result in a business’s financial ruin.

Most business owners never expect to encounter a loss that exceeds the coverage limits they have to manage accidents, mistakes, and injuries—also known as liability insurance—but unfortunately, in today’s business environment, it happens too often.

A significant loss could impact the business success you’ve worked hard to achieve and destroy your hopes for a bright future. 

Fusco Orsini & Associates can help you protect your assets today by providing added coverage where you need it most. We can also help you build a tailored insurance solution that meets your business’s needs.

All businesses are vulnerable

No matter the size of your company or how well it’s run, your business faces the potential of a devastating claim arising from an unforeseen event. For example, let’s say you own a retail store or apartment building, and a customer trips on the carpet and hits his head, sustaining a serious brain injury.

You could be liable for millions of dollars in medical and other payments.

Would that entire sum be covered by your existing business liability insurance? Could your business savings and/or revenue compensate for the difference in what’s not covered?

If you answer no, that’s where Excess Liability Coverage comes in. Excess Liability goes above and beyond basic business liability insurance limits, offering up to $10 million in additional funds to manage situations like this.

If you are a small business owner, you might think they can’t take what you don’t have. Think again—a court can seize your current business assets and even allocate future earnings to satisfy a judgment against you.

It’s never too soon to invest in additional coverage.

Get the ultimate in asset protection

It’s your decision how to best spend each of your hard-earned dollars. But if an unexpected significant loss occurs that key decision may no longer be yours.

Excess Liability insurance helps ensure that your business assets remain yours for less than you might expect.

Do you know if your current coverage offers your business the protection it needs against major catastrophic events?

How to get started on your quote

Call our office or visit our quotes page to get started on your quote. Either way, we’ll make the process simple!