Excess Layer PL




Excess layer Insurance allows your clients to purchase additional cover above their primary liability policy, providing protection against large claims which may erode their primary insurance. We are happy to top up our own or other insurers policies when the required PL limit is not available due to the primary insurers lack of capacity or appetite.


How to trade with us:

  • Quote & buy via our online trading platform – This Way
  • By submitting quote requests to our underwriting teams.

Key Features & Benefits:

  • A rated Capacity
  • Statement of Fact basis
  • Can follow most insurers without sight of their wording
  • Wide range of limits available from £1M to £20M (higher limits on request)
  • Short or annual cover available
  • Can match common renewal dates
  • Bespoke Business descriptions available
  • Experience underwriters will deal quickly with any referrals

Our appetite:

  • Micro/SME businesses – our minimum premiums are set accordingly.
  • Contracting & Construction Risks including High Risk contractors and hazardous locations
  • Manufacturers & Wholesalers including firms who export to the USA/CAN

Enquire This way