MMC Benefits Handbook
The Plan at a Glance
The Personal Excess Liability Insurance Plan (Plan) provides additional liability coverage above the limits of your personal insurance. The chart below contains some important Plan features. For more information, see "How the Plan Works."
Plan Feature
How the Plan Works
  • This insurance covers you for personal injury and/or property damages to third parties, over and above the coverage that you may have through other insurance, including automobile and homeowner's insurance.
  • These other policies are called primary insurance (meaning that these policies pay first), while the Personal Excess Liability coverage is activated only after the primary insurance is exhausted or used up.
  • Personal Excess Liability coverage is generally purchased to provide limits over and above primary insurance and to potentially provide coverage where a coverage gap may exist.
Required Primary Insurance
  • The coverage you elect through the Plan is excess of coverage over other collectable insurance. For some coverage you must maintain primary insurance in order to be fully covered. This is known as the Required Primary Underlying Limit.
  • See "Participating in the Plan" for details.
  • You are eligible to participate in this program if you meet the eligibility requirements set forth below.
  • See "Participating in the Plan" for details.
Contact Information
For more information, contact:
Mercer Voluntary Benefits (provided by Mercer Health & Benefits Administration)
Phone: +1 800 225 2265, Monday through Friday, 8 a.m. to 9 p.m. Eastern time and Saturday 8 a.m. to 2 p.m.
Coverage is underwritten by Chubb Insurance Company.
Marsh McLennan (Company) does not administer this Plan. Chubb Insurance Company decisions are final and binding.