Excess Layer

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.


  • Excess Public & Products Liability


  • Micro/SME businesses
  • Contracting & construction
  • High Risk contractors
  • Hazardous locations
  • Manufacturers & wholesalers (inc. export to USA/CAN)

Features & Benefits

  • A rated Capacity
  • Statement of Fact basis
  • Can follow many insurers without sight of wording
  • Excess Limits from £1m to £20m+
  • Low minimum premiums
  • Short or annual cover available
  • Can match common renewal dates
  • Bespoke business descriptions available

How to trade with us:

  • Via our unique online trading platform ‘This Way’
  • By submitting quote requests to your dedicated team of underwriters:

Commission rate:

  • 15% with options for alternative levels of commission, including net
  • Enhanced commission can be negotiated according to agreed growth plans; contact us to discuss