Excess insurance can be arranged above several types of liability policy, depending on insurer appetite and available capacity.

Examples can include:

• Public and Products Liability
• Professional Indemnity
• Directors and Officers Insurance
• Management Liability
• Cyber Insurance
• Certain other specialist liability policies

Does one excess policy increase every insurance limit? #

No.

An excess layer normally applies to a particular underlying insurance arrangement.

For example, an excess Professional Indemnity policy would not ordinarily increase the limit available under a Public Liability or Cyber Insurance policy.

What does an excess insurer review? #

Before offering terms, an excess insurer may review the underlying policy’s:

• Insurer
• Limit
• Wording
• Endorsements
• Insured entities
• Business activities
• Territories and jurisdictions
• Exclusions
• Sub-limits
• Policy period
• Retroactive arrangements where relevant

Not every underlying policy, insurer or business activity will be acceptable to every excess insurer.

Contact our team if you need help arranging additional liability capacity above an existing policy.