Expense Outside of Limits Endorsement

Starting July 1, 2025, WILMIC is offering a valuable option for policyholders: the Expense Outside of Limits Endorsement. This new endorsement provides added financial security by covering legal defense costs outside of your policy’s liability limits.

How It Works

With this endorsement, claim expenses are paid separately—up to 10% of your per-claim limit—without reducing the funds available for settlements or judgments. For example, if you have a $100,000 policy, up to $10,000 can be used for legal defense without touching the original $100,000 liability limit.

Why It Matters

• Preserves your indemnity limit – Keeps your full policy limit available for payouts.
• No deductible applies – Legal expenses covered under this endorsement aren’t subject to your deductible.
• Additional financial control – Helps you manage unexpected legal costs with more confidence.

Maximum Benefit

The endorsement provides up to $250,000 in claim expense coverage, offered for an additional premium and subject to underwriting approval.

Available on new or reissued policies with effective dates starting July 1, 2025. Contact us to learn more or to add this protection to your policy. Click below to contact Sarah McQuin, Account Executive, or Katelyn Cole, Director of Underwriting.