{"id":5733,"date":"2023-09-29T13:48:59","date_gmt":"2023-09-29T18:48:59","guid":{"rendered":"https:\/\/www.bbrown.com\/?post_type=insight&p=5733"},"modified":"2023-09-29T13:48:59","modified_gmt":"2023-09-29T18:48:59","slug":"excess-liability-coverage-in-action","status":"publish","type":"insight","link":"https:\/\/www.bbrown.com\/us\/insight\/excess-liability-coverage-in-action\/","title":{"rendered":"Excess Liability Coverage in Action"},"content":{"rendered":"

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Personal Insurance<\/p>\n

\n Excess Liability Coverage in Action\n <\/h1>\n\t\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″]\n
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\n Excess Liability Coverage in Action\n <\/h1>\n\t\n <\/div>[vc_column_text]One of the most impactful ways to convey the importance of insurance is through sharing real experiences. The following story exemplifies the significance of excess liability coverage.\u00a0<\/span>\u00a0<\/span><\/p>\n

A mother and her two children, a three-year-old daughter and a six-year-old son, were visiting a friend. While there, the mother supervised her daughter gently petting their friend’s dog on his forehead. In a split second, the dog began to maul her, causing injury to her face. This accident did not involve an aggressive dog breed but rather a sweet, gentle family dog who was being trained to become a service animal.\u00a0<\/span><\/p>\n

What would follow included countless doctor visits, medical and plastic surgeries to repair the little girl\u2019s facial injuries, and emotional therapy as she grew up to help her cope with her fear of dogs. Due to the increasing costs, the family had no choice but to sue their friend\u2019s homeowner\u2019s insurance policy. Because the family had an excess liability policy, a structured settlement was implemented to pay the enormous medical costs and the child\u2019s therapies for her pain and suffering. Today, 25 years later, we are happy to share that she is a thriving young woman…and she loves her big, adorable dog.<\/span>\u00a0<\/span><\/p>\n

Excess Liability is among the most important insurance policies and one of the less expensive options, providing immense value. Having an Excess Liability policy adds a layer of protection as an umbrella policy,\u00a0covering both home and auto. Ultimately, it provides liability insurance when the primary limit of liability has been reached in the event of a lawsuit.\u00a0<\/span><\/p>\n