When is it better to come in second? For insurance, it's when you want to keep your premiums low. That's why Terrafirma is backup insurance. If you have other insurance (such as general liability insurance or title insurance) that covers a particular claim, Terrafirma will wait until you've exhausted that coverage before it starts to cover the claim.  And Terrafirma may later let other insurance (such as D&O insurance for board members) cover counterclaims or crossclaims.  By letting other insurers take first place in this situation, Terrafirma can offer you more coverage without charging an arm and a leg.  You can read more about this in paragraph 3.9 in your Terrafirma policy in the exclusions section. The exclusions are also on the website here.

We’re here to help! If you have any questions about exclusions or anything else, please let us know. You can email us directly or call 202-800-2219 for Lorri or 802-262-6051 for Leslie.