An Additional Layer of Liability Protection

A serious liability claim can exceed the limits of a business’s primary insurance policies. Excess liability insurance can provide additional liability limits above certain underlying policies when a covered claim reaches those limits.

For contractors and businesses taking on larger projects, additional protection can be an important part of an overall insurance program. We help you review your existing policies and understand where additional limits may be appropriate.

Understanding Your Additional Coverage Needs

Every business has different liability exposures. Your type of work, project size, contracts, number of employees, and business activities can all affect how much protection you may need.

Excess liability coverage can add another layer above qualifying underlying policies. Reviewing your existing limits can help you identify whether additional protection may be appropriate for your business.

Supporting Contract and Project Requirements

An excess liability policy can help businesses meet certain higher-limit requirements when the coverage structure and underlying policies qualify. We can help review your insurance requirements and coordinate available options.

A covered claim can create significant expenses when the amount exceeds the limits available under a primary policy. Extra liability insurance may provide additional limits once applicable underlying coverage has been exhausted, subject to the policy’s terms, conditions, and exclusions.

Reviewing Your Overall Insurance Program

As your business grows, your liability exposures may change. New contracts, larger projects, additional employees, or expanded operations can all affect your insurance requirements.

We can review your existing liability program and help determine whether excess casualty insurance or additional liability limits may be appropriate. If you are considering excess liability insurance policy options, our team can help you understand available coverage and how it may work with your underlying insurance.