Why choose IOA for excess liability insurance?
No one likes to be caught off guard or unprepared when catastrophe strikes. For midsize to large businesses, the financial impact of extreme incidents can quickly exceed standard insurance limits, leaving your operations vulnerable. IOA provides expert guidance, coverage integration, and tailored solutions backed by industry-specific insights to protect your business from catastrophic losses.
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Expert guidance
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IOA advisors specialize in tailoring excess liability solutions to meet the unique needs of midsize to large businesses. We provide clarity on the differences between excess liability and umbrella insurance, ensuring you choose the best option
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Comprehensive coverage
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Our policies extend your liability limits to provide additional dollars for catastrophic events. Coverage seamlessly integrates with your existing policies.
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Industry-specific insights
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IOA understands the unique risks faced by various industries, from construction and real estate to retail and manufacturing. Our team works with businesses across sectors to provide customized solutions that align with their risk profiles.
Coverage features
Excess liability insurance is designed to help with:
Catastrophic claims
Large-scale incidents that exceed the limits of your primary policies, such as environmental disasters or significant accidents
Extended liability
Additional coverage for bodily injury, property damage, and legal defense costs arising from extreme events
Seamless integration
Matches the terms and conditions of your primary policies to eliminate coverage gaps
Connect with an IOA insurance expert
Speak to an IOA broker who understands your industry, goals, and challenges.
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