Personal Liability Insurance

Specialty liability insurance solutions tailored to your unique needs.
Get Started

When traditional insurance falls short, XINSURANCE steps in to fill the coverage gaps in your personal liability needs.

Go beyond generic policies with customized coverage solutions that understand your unique lifestyle and risks.

The Importance of Personal Liability Insurance

From the adrenaline-fueled rush of extreme sports to the serene connection of volunteering, the companionship of a loyal dog to the responsibility of firearms ownership, and the nurturing guidance of an instructor – personal liability insurance serves as an invisible shield, empowering those with full and active lifestyles to embrace their passions with confidence and protection against unexpected risks.

To safeguard your lifestyle, assets, and financial future, partner with someone who ensures you have the right personal protection against incidents or claims. Negligence, recklessness, or omissions can lead to lawsuits in a wide range of activities, from daily routines to extreme risks. Identifying and filling insurance gaps are crucial to avoid costly damages from potential lawsuits. XINSURANCE is your committed insurance partner, providing customized liability insurance solutions tailored to your needs.

Who We Can Help

Personal Liability Insurance is particularly important for individuals with assets that could be targeted in a lawsuit, or those who engage in activities that increase their risk of liability. That includes:

  • Homeowners
  • Pet Owners
  • Gun Owners
  • Outdoor Enthusiasts
  • Property Owners
  • Coaches, Trainers, & Instructors
  • Independent Contractors
  • Volunteers
  • Boat Owners
  • Drone Operators
  • Social Media Influencers
  • And More!
View All

Personal Liability Coverage and Beyond

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Firearms Liability*

Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.

*Available in most states

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

View All

How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQs About Personal Liability Insurance Coverage

How does personal liability insurance work?

It can provide financial protection by covering legal costs and damages if you are found legally responsible for injuring someone or damaging their property.

How much personal liability insurance do I need?

This depends on your assets, lifestyle, and risk exposure. We would recommend enough coverage to protect all your assets.

What's the difference between personal liability and umbrella insurance?

Umbrella insurance provides additional coverage beyond the limits of standard personal liability insurance, offering extra protection. Learn more about our TRU Umbrella insurance solution.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

Who needs personal liability insurance?

Anyone who answers “yes” to these two questions:

  • Are you an individual?
    Do you own anything? (car, house, trampoline, ATV)

If “yes” to both, this means that most likely you could be held liable on a personal level if a coworker, neighbor, or even stranger found any reason at all to pursue a lawsuit.

What are you supposed to do with this personal liability hanging over your head? You might want to consider personal liability insurance. What is personal liability insurance?

Personal liability insurance: Insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t.

Perhaps there’s a misunderstanding at work with an employee; maybe your neighbor’s child falls off your trampoline; maybe a buddy falls off your ATV and ends up paralyzed. No matter the situation, personal liability insurance is in place to help cover gaps in your traditional insurance coverage, minimize exposure and maximize peace of mind. And thanks to providers like XINSURANCE, personal liability insurance is now possible for you at work, at home, at play.

Does XINSURANCE offer specialized personal liability coverage for homeowners?

There are things that are usually not covered under your homeowners insurance policy that may surprise you. We’ve listed them below but remember, XINSURANCE can offer specialty insurance solutions to the fill gaps of what isn’t covered on your homeowners policy.

  • Pools and hot tubs are an ‘attractive nuisance,’ and even if they are safely fenced, some homeowner policies will not cover either one.
  • Trampoline injuries aren’t covered by insurance. In fact, just having a trampoline on your property is reason enough for some companies not to insure you at all.
  • Treehouses might be covered as an ‘accessory structure,’ but most providers will not cover them.
  • High-risk dog breeds such as pit bulls might not be covered under many policies if they injure someone, even if the homeowner has liability coverage that protects against dog-related injuries.
  • Stolen or destroyed cash over $1,000 isn’t covered.
  • Sewer backups are not covered under water damage in an insurance policy. Water damage in policies refers to water line breaks, if your appliances overflow or leak, or if hail or the wind causes a hole in your home through which water enters and causes damage.
  • Nuclear accidents are a standard exclusion.
  • Sinkholes are ‘earth movement’ just like earthquakes, so insurance doesn’t cover them.

Specialized personal liability coverage added to your home insurance policy will ensure that your earthly establishment is fully covered.

What are some examples of personal liability insurance claims?

Accidents can happen, and so can seemingly innocent actions that cause unintended consequences. You may feel that your automobile, home, and professional insurance policies have you covered, but you’re still vulnerable to their exclusions and policy limits.

Here are examples of litigation scenarios:

  • Giving a dog obedience school a bad review. Businesses that depend on their online reputations for customers are vulnerable to negative reviews. Many potential customers take these reviews at face value because they’re given by people just like them. Whether any individual review actually causes a loss of business doesn’t matter. If a business associates your bad review with their loss of business, it’s enough for some business owners to sue you. Even if they lose the case, you’re still out of the time and money put into defending yourself.
  • Accidentally electrocuting someone. How is this possible? When someone enters your flooded basement that has the normal electrical appliances common to basements. Or someone goes for a swim in your pool with an old pump with electrical work that finally wears out. Or the third prong of one of your power outlets isn’t connected to the ground and someone plugs a defective appliance into it.
  • Causing a chain-reaction car accident. Losing control of your car because of a tire blowout or other mechanical reasons can trigger a chain reaction accident in some circumstances. If the accident involves a tractor-trailer rig, the injuries and damage can escalate even further.
  • An attractive nuisance injures a trespassing child. Examples of attractive nuisances include trampolines, treehouses, swimming pools, skateboard ramps, or a deep pit in your yard.
  • Suppose you lived in a household with no toddlers or small children. Placing something like a decorative vase on top of a drawer seems harmless enough. While such a choice is perfectly reasonable in a household of adults and older teens, it could cause a tragic injury should a neighbor’s child climb the drawer and pull the vase down on himself.
  • Someone falls in your home.  An injured back can end the career of a construction worker for example. Disfigurement can affect one’s personal life, career, quality of life, and can cause psychological scarring in some people. The damages awarded in court for these kinds of injuries could easily exceed your homeowners liability limits.

How much does personal liability insurance coverage cost?

Costs can be influenced by your coverage limit, location, claims history, and specific risk factors tied to your lifestyle or property. It’s best to contact us and tell us more about you so we can provide a personalized quote.

View All

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service

REQUEST YOUR QUOTE HERE