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Smart protection without the premium price

Premium liability protection for California assets

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Pool & Trampoline

Coverage for high-risk amenities

Teen Driver Extra

Additional protection for new drivers

Pet Liability

Enhanced coverage for dog owners

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Talk to a licensed agent at California Excess Liability: (877) 411-5200

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About California Excess Liability

At California Excess Liability, we believe quality coverage shouldn’t break the bank. We work with high-net-worth individuals across California affluent areas to find the sweet spot between comprehensive protection and affordable premiums. Smart coverage, honest prices — that’s our promise.

California Insurance License #OB75129

California Excess Liability | CA License #OB75129

825 South Barrington Avenue, Suite 200, Los Angeles, CA 90049

(877) 411-5200 | Mon–Fri, 9:00 AM – 5:00 PM PST

Frequently Asked Questions

What is umbrella insurance and what does it cover?

An umbrella policy adds an extra layer of personal liability coverage — typically $1 million or more — above the limits of your auto and home policies. It responds when a serious claim or lawsuit exhausts those underlying limits, and it can also cover defense costs.

Who needs an umbrella policy in California?

Anyone whose assets or future earnings exceed their auto and home liability limits: homeowners, landlords, families with teen drivers, pool or dog owners. California's litigation environment makes the math compelling for far more households than expect it.

How much does a $1 million umbrella policy cost?

Umbrella coverage is usually one of the least expensive policies per dollar of protection, because it sits above your other coverage. The exact premium depends on your homes, vehicles, and drivers — a quick quote tells you precisely: (877) 411-5200.

What does umbrella insurance NOT cover?

Your own injuries or property, intentional acts, and business liability (that needs a commercial policy). It's personal liability protection — the goal is shielding your assets from claims and lawsuits, not replacing your other policies.

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