Benefit is available starting January 1, 2026

Accidents and unexpected events can happen—and sometimes the costs go beyond what’s covered by your auto or homeowner’s/renter’s insurance. That’s where Group Personal Excess Liability Insurance comes in.

This new benefit provides an additional layer of financial protection, giving you peace of mind if you ever face a major liability claim or lawsuit. It’s designed to protect not just your finances, but also your future.

What it covers 

Umbrella Personal Liability Insurance kicks in after your existing insurance limits are reached, offering broader protection in situations like:

• Auto accidents where damages exceed your auto policy limits
• Accidents in your home or rental property
• Injuries to others on your property
• Certain types of personal claims, like libel or slander

Why it matters

Even if you already have home or auto insurance, big claims can add up fast. An umbrella policy provides:

• Extra coverage beyond your existing policies
• Financial security if damages exceed standard limits
• Peace of mind knowing you and your family are protected against life’s “what ifs”

Coverage

Each limit below includes $1 Million in Excess Uninsured /Underinsured Motorist

Optional:  Higher Excess Uninsured /
Underinsured Motorist Limits available

Optional: Employment Practices Liability (EPL)

 How to enroll 

You can sign up for Umbrella Personal Liability Insurance during Open Enrollment at ajg.com using username UMG and password UMG2026.