Personal Excess Liability Insurance Program
Our personal excess liability insurance policy comes with savings built in. And see how much more you could save by bundling a personal excess liability policy with your Farmers GroupSelect® car or home insurance policy.
Farmers GroupSelect personal excess liability policies
A personal excess liability policy can provide additional coverage beyond the limits of your auto and home policies and a group discount is offered for employees of participating employers and members of participating groups. It’s an affordable way to keep an extraordinary event from becoming a financial life-changer.
Not eligible for the Farmers GroupSelect program? Learn more about Farmers umbrella insurance.
What is the difference between an umbrella policy and the personal excess liability policy available through the Farmers GroupSelect program?
The two terms are often used interchangeably, but there are important differences. For example, excess liability insurance provides additional liability coverage on top of the underlying policies; but, generally, the coverage is limited to apply to the same risks of loss covered by the underlying policy and associated defense costs. Typically, only umbrella policies extend coverage to exposures excluded by the underlying policies. Uniquely, the Farmers GroupSelect PELP, as an excess liability policy, operates similarly to a typical umbrella policy providing coverage beyond the underlying home policy for exposures such as libel and slander. It is important to work with an agent to assess your needs and understand the differences when making purchasing decisions.
Additional benefits of an excess liability policy
As a policyholder, you’d have coverage for certain non-business liability claims not covered by your other Farmers GroupSelect policies, such as a defamation or libel/slander lawsuit. And, with a reputation for fast claim payments and insurance expertise, Farmers GroupSelect offers policyholders excellent customer service.
Other types of Farmers GroupSelect insurance
Bundling insurance policies can help you save.
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Advertisement produced on behalf of the following specific insurers seeking to obtain business for insurance underwritten by Farmers Property and Casualty Insurance Company and certain of its affiliates: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Farmers Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, or Farmers Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. List of licenses at farmers.com/companies/state/. Coverage, rates, discounts, and policy features vary by state and product and are available in most states to those who qualify.
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