The Best Financial Security Available
The financial security of your insurer should be a key consideration. It may take several years to arrive at a settlement involving a large loss. You need to be sure your insurer will be there to protect you - not just to collect your premium.
Depending on your state of residence, your policy will be provided by either National Liability & Fire Insurance Company or National Indemnity Company. As members of the Berkshire Hathaway group of insurance companies, these companies offer financial strength second to none. Often, insurers with low prices do not have high financial ratings. National Liability & Fire Insurance and National Indemnity Company are both rated "AAA" (Extremely Strong Insurer – Financial Strength Rating) by Standard & Poor's and "A++" (Superior) by A.M. Best - the highest possible ratings.
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Additional Protection Directly Above Your Existing Personal Umbrella Policy
To give you the peace of mind that you have sufficient coverage, we will provide additional insurance above your existing personal umbrella policy.
There may be differences between your existing personal umbrella policy and this Excess Personal Umbrella coverage. For example, your excess personal umbrella policy will have an aggregate limit and defense costs will be included within that limit. Please read the Sample Policy and compare it to your existing policy to be sure that these differences are not a concern to you.
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