Excess Liability

Excess Liability

What is Excess Liability Insurance for?

Standard liability policies have upper limits on how much they can pay out. If your business requires coverage greater than this amount, then Excess Liability Insurance can step in - in the event of a claim, it will pay the extra amount outstanding once your initial policy's limit has been reached.

Why don't standard policies have high enough limits already?

Mostly, they do. Excess Liability covers businesses, individuals, and situations, where the risk is greater than the normal risk covered by the primary policy. Put simply, some businesses have more to lose than others - but policies have to be designed on careful analysis of average risk trends over time. So if your business is an outlier in its needs, you can still take out the general policy, but will require Excess Liability Insurance to secure the extra cover you'd need in the event of a claim. 

Excess Liability insurance can pick up where your Public Liability leaves off. If your risk exposure is higher than your Public Liability cover limit, you may need this additional insurance. 

What if...

  • A court decides against you and you're made to pay a harsher than expected compensation settlement?
  • A contract clause requires you to have a higher limit than you have at present?
  • You are undertaking a project in a high value, well-known, or sizeable venue?

How does cover work?

  • You can normally purchase a number of excess liability policies to sit on top of one another - allowing you to create very high levels of protection as required
  • Cover will normally follow the terms of cover under your primary or first layer policy
  • The level of premiums for each policy/layer is normally less than that required by your primary/first layer policy
Excess Liability Banana Skin

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Jane Byde ACII


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Email: jane.byde@laplayainsurance.com

Twitter: @LaPlayaJane