Excess Liability
Excess liability adds limit above a single underlying policy and follows its terms. Firms use it to raise professional liability limits for large contracts, or to stack limits above an umbrella.
Where exposure tends to arise
When Firms Use It
Higher professional limits
An excess professional policy above your primary E&O when one client asks for more.
Layering above an umbrella
Reaching $10M or more in total limits for large owners.
Matching one contract
Buying only what a specific project requires.
Frequently asked
Excess Liability: Common Questions
Is excess cheaper than raising my primary limit?
Sometimes. It depends on the market and your firm. We price both ways.
Does excess change what is covered?
Usually not. A follow form excess policy follows the terms of the policy beneath it.
Firms we work with
Architects Landscape Architects Interior Designers Civil Engineers Structural Engineers MEP Engineers Geotechnical Engineers 3D Laser Scanning & LiDAR BIM Modeling & Coordination CAD & Drafting Services Land Surveyors Environmental Consultants Special Inspection & Construction Monitoring Owner’s Representatives Construction Managers Forensic Engineers Expert Witnesses & Litigation Support Mining & Heavy Machinery Engineers Energy & LNG Engineers
Talk to a specialist
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.