The Commercial Excess Liability Policy provides protection against third (3rd) party claims which exceed the policy limits provided by the Insured's primary underlying policies. The primary insurance program must cover all the insured's known liability exposures and must be a comprehensive form. Protection is afforded for claims arising out of farm/ranch operations, personal activities and can even include auto.

Our Commercial Excess Policy provides added protection for equine, grain, livestock or any farm business when we provide the primary Farm Personal Liability. Underlying automobile liability policies may be added whether or not we provide the underlying coverage. Auto policies not written by American Reliable must be with an "A-" A.M. Best rated carrier or better and meet the underlying limits requirement.

In the event a loss does arise which is not covered by the primary insurance program, the Farmers and Ranchers Commercial Excess Liability policy may respond in excess of the indicated minimum deductible. Coverage would be unavailable if excluded by the Commercial Excess Liability Coverage form. This drop down feature may also respond if underlying aggregate limits of the primary insurance program are exhausted by payment of claims.

Application - Contact agent directly.