TLABC, in partnership with Jones Brown, is pleased to offer our members an exceptional Personal Excess Liability plan that includes additional liability coverage of $5,000,000 for damages and costs you, or a covered family member, have to pay in a covered lawsuit beyond what is provided for under your primary auto, homeowners, renters, recreational vehicle, motorcycle and watercraft insurance policies.

GROUP PERSONAL EXCESS LIABILITY INSURANCE FROM CHUBB
This “umbrella policy” is in excess of your primary home, auto and watercraft insurance. For example, your primary auto insurance policy with ICBC would be your first level of coverage, and Chubb’s Group Personal Excess Liability Insurance would be the final level of coverage after all other applicable policy limits are exhausted.

INCLUDED COVERAGES
• Uninsured/Underinsured Motorist Protection - $5,000,000    
• D&O for Non-Profits and condo associations - $5,000,000
• Defence Costs - Unlimited
• Libel, Slander, Defamation of Character - $5,000,000        
• Earnings Lost by a Covered Person - $50,000              
• Worldwide Coverage - Included
• Worldwide Rental Car Coverage - $5,000,000            

REQUIRED PRIMARY UNDERLYING LIABILITY INSURANCE POLICY LIMITS          
•  Personal Liability - $100,000 per occurrence            
•  Watercraft less than 8 metres and 50hp - $100,000
•  Registered and Unregistered Vehicles - $1,000,000 per occurrence
•  Watercraft larger than the above - $500,000
•  Uninsured and Underinsured Motorist Protection - $1,000,000 per occurrence

MORE FOR LESS
Since group rates are typically lower than individual policy rates, the cost to you for Chubb’s Group Personal Excess Liability Insurance is almost certainly lower than what you would pay for comparable coverage under an individual personal excess liability policy. As a member of TLABC, you get additional coverages at no added cost to you—and when you factor in cost savings by reducing limits with ICBC, it all adds up to broader protection, with higher limits, at lower costs.

WE HAVE YOU—AND YOUR FAMILY—COVERED
If you elect to enroll, the plan automatically covers you, your spouse/domestic partner, and all eligible dependent children (who are residents of your household). Your coverage extends to “permissible use”, meaning anyone who uses a covered vehicle or watercraft with permission from you or a family member, is also covered. Plus, you’re covered for your actions or failure to act as a non-compensated director or officer of a not-for-profit organization.

EASY UNDERWRITING
One of the greatest benefits of the group underwriting approach is that Chubb does not ask any underwriting questions. Chubb does not ask for motor vehicle reports from ICBC, if you have young drivers, or even if you have a serious motor vehicle conviction. Chubb does not run a credit report, they do not care how many homes you own, how many autos you have, or even if you operate extremely high valued vehicles or watercraft. All that is required is your name and address, email and phone contact information, and of course, you must have a current TLABC membership.

Click here to view Frequently Asked Questions regarding our Excess Liability Program

Click here for our Registration Form