Insights
Specialized Group Excess Liability Program Administration
Same carriers. Same coverage. A better partner.
Most organizations rely on the same highly reputable carriers for their Group Personal Excess Liability (GPEL) programs. The difference isn’t the policy — it’s how the program is administered.
EPIC specializes in managing existing Group Excess Liability programs, often with no change to carrier or coverage, while reducing HR oversight and delivering a better experience for participants. Our clients benefit from a more streamlined experience supported by enrollment management, education, compliance guidance, and dedicated claims advocacy.
Group Excess Broker Partner of Chubb, Vault, Cincinnati and PCS (formerly AIG).
Deep Expertise in GPEL Coverage & Program Administration
EPIC maintains a highly specialized Group Personal Excess Liability (GPEL) practice within our Private Client organization. Our team brings deep experience not only in the Group Personal Excess Liability product itself, but also in the ongoing administration and servicing required to support high‑limit liability programs for successful individuals and families.
Because we routinely manage complex personal insurance portfolios, we take a more holistic and proactive approach to Group Personal Excess Liability—ensuring policies are properly structured, underlying requirements are met, and participants are supported well beyond enrollment.
Participants and sponsors benefit from:
A dedicated GPEL advisor providing guidance on coverage structure and excess liability requirements
Personal insurance alignment reviews to confirm underlying policies meet GPEL requirements
Education and engagement through webinars, one‑on‑one consultations, and ongoing support
A Private Client-level, consultative service model delivering personalized guidance, advocacy, and expertiseThis combination of Group Personal Excess Liability specialization and Private Client expertise delivers a more integrated, participant‑focused experience while reducing oversight for HR.
Proprietary Online Enrollment Platform
EPIC developed and maintains a customized Group Personal Excess Liability enrollment platform built in‑house based on years of program experience. The platform is designed to simplify participation while minimizing administrative involvement for the sponsoring organization.
Streamlined, intuitive online enrollment
Flexible payment options (credit card, ACH, or check / wire)
Program-specific design and messaging
Significant administrative relief for HR teamsOur platform prioritizes clarity, accuracy, and security—ensuring a consistent, professional experience for participants year after year.
Dedicated Claims Advocacy
Unlike many other firms, EPIC Private Client maintains a dedicated claims advocacy team that specializes in excess liability and complex personal insurance claims.
From proactive guidance before a claim occurs to hands-on support during the claims process, the team serves as a trusted advisor or our GPEL participants and advocates every step of the way.
Direct carrier relationships, coverage expertise, and strategic claims management help protect outcomes and provide peace of mind when it matters most.
Group Excess Liability Claims Examples
Friendly Encounter Leads to a $2M Settlement
Group Personal Excess client was traveling with his dogs, which were leashed. A young girl asked to pet the dogs, which the client allowed but one of the dogs bit her, causing significant injuries. The client’s excess liability policy paid $2 million to the family to support the girl’s physical and mental health.
Everyday Left Turn Leads to $3.6M Claim
What began as an ordinary drive home from dinner resulted in a catastrophic liability claim. The insured made a left-hand turn across the path of an oncoming motorcycle, causing a severe collision. Due to the significant injuries sustained, the GPEL policy paid $3,625,000 to settle the claim.
Disclaimer: The information provided above is for general informational purposes only and does not constitute legal advice. For advice regarding your specific legal rights and responsibilities, please consult with a qualified legal professional. Additionally, it is strongly recommended that you review your insurance policy for detailed terms, conditions, and exclusions.
Next Steps
Please contact us to obtain more detailed information on how this program can impact your overall benefits offering.
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