More Limit. Same Coverage.
Designed to extend the limits of a specific underlying policy without changing its terms.
Excess liability attaches above a single underlying policy and follows its terms exactly. It does not broaden coverage or fill gaps between policies. It adds limit, precisely where your program needs it.
Talk to UsCoverage Overview
How Excess Liability Works
Extends a Single Underlying Policy
Attaches to one specific policy. What the underlying covers, the excess responds to. What it excludes, the excess excludes.
Responds After Primary Limits Are Exhausted
Once underlying limits are fully exhausted, excess is intended to respond up to its own limit.
Follows Form
The excess mirrors the underlying policy exactly. No new terms, conditions, or exclusions.
Disciplines We Work With
Where Excess Liability Tends to Be Relevant
Firms With Contractual Limit Requirements
When a client requires limits above what your standard policy provides, excess addresses that gap without restructuring your program.
Firms on Large or High-Value Projects
Provides the headroom needed for larger work without adding a new program layer.
Firms Seeking a Targeted Solution
When one policy limit needs to be increased, excess is a straightforward solution without adding complexity across the rest of your program.
Firms With a Specific Limit Gap
When one policy limit is the issue, excess is a clean solution without adding complexity elsewhere.
Worth Understanding
How Excess and Umbrella Differ
Umbrella and excess liability are related but structured differently — and the distinction matters.
Umbrella liability sits above multiple underlying policies and may address certain gaps between them. Broader in scope, it can respond to a wider range of covered claims.
Excess liability attaches to a single underlying policy and follows its terms exactly. It adds limit — nothing more. It does not fill gaps or extend to other policies.
Which is appropriate depends on your overall program and contract requirements. We review both before making a recommendation.
Learn More About Umbrella LiabilityKey Considerations
A Few Things Worth Reviewing
Attachment Point
Confirming there is no gap between the underlying limit and where the excess begins is critical to how the program responds.
Underlying Policy Must Be Active
Excess responds only when the underlying policy is active and fully exhausted by a covered loss.
Follows Exclusions
Any exclusion in the underlying policy carries through to the excess.
Our Process
Deliberate at Every Step
Step 1
Identify the Gap
We review current limits against contract requirements to understand where the shortfall exists.
Step 2
Confirm the Attachment Point
We confirm no gap exists between the underlying limit and where the excess begins.
Step 3
Approach the Right Market
We approach markets that offer terms appropriate for your specific program.
Related Coverage
What Firms Typically Review Together
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Commercial Auto
For vehicles owned, leased, or used by the business.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
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