Equisure excess liability is intended to be used if you are sued for an amount beyond your homeowners/personal liability insurance limit.
It is outlined in the following documents:
The coverage is for a calendar*
and must match your club "type membership": i.e. if your club membership is individual, your premium is
if family membership, your premium is
(*Payment via PayPal is slightly higher.)
To purchase, logon and join or renew**. The wizard automatically presents to correct premium based on the type membership you select.
*Which calendar year it covers depends on when you join/renew. Our computer system is programmed so that:
If you join/renew Jan-August 31 of current year, the insurance is for the current
If you join/renew Sept 1-Dec 31 of the current year, the insurance is for the next***
**If you already joined/renewed without buying the insurance, you can still buy it by logging on, then clicking the My Equisure Coverage button. the
instructions are on that page.
***If you join/renew Sept 1-Dec 31 of the current year and you want the insurance for the remaining current year
, you need to specifically say so on
your check or other documentation and the secretary will adjust your record.