- Businesses
- Individuals & Families
- Partners
Enabling businesses across a wide range of industries to operate and grow with confidence.
Excess Liability Insurance
Our excess liability insurance provides additional protection that may be needed when the underlying limit of your primary insurance policy isn’t enough to cover the unexpected costs of a loss.
Our dedicated underwriting teams have the expertise to help our clients design customised programmes to effectively manage risk. We have tailored insurance solutions for a myriad of business sectors and industries.
If a loss occurs, our claims experts have the experience to handle the loss ensuring minimum disruption to business operations.
Risk scenarios
Who it’s for
Our excess protection supports a variety of businesses and industry sectors including:
- Multinational risks with global exposures
- Small to medium enterprises
- Construction
- Energy
- General manufacturing
- Automotive businesses
- Food and drink
- Consumer goods
- Technology companies
- Real estate
What it covers:
You benefit from additional layers of protection when you need it most, for:
- Lead or excess placements
- Insurance drop-downs beyond exhausted primary limits
- Advertising injury
- Sudden and accidental pollution
FAQs
All businesses are exposed to unforeseen risks, which can be complex and costly. Excess liability provides an extra layer of protection. The coverage sits over and above the primary insurance policy to cover the costs relating to large claims that would otherwise have serious financial consequences for the business, such as injuries to employees and third-parties.
The indemnity limits are €100million.
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Widespread Event Endorsement
With the world becoming increasingly digitized and interconnected, widely used software programs, communication platforms, and technology platforms are leveraged and often relied upon by the vast majority of companies. A single attack upon and/or failure of one of these widely used platforms or technologies could create an aggregation risk that exceeds the insurance industry’s capacity to insure. In an effort to provide policyholders with coverage clarity and market stability, we provide affirmative and specific limits, retentions and coinsurance for widespread events.
Ransomware Encounter Endorsement
Ransomware attacks have grown dramatically in both frequency and severity. The loss to policyholders is far broader than just the value of the ransom amount. Whether the ransom is paid or not, policyholders often incur legal costs, forensic investigatory expenses, business interruption loss, digital data recovery costs, and potentially liability and legal defense costs. The ransomware encounter endorsement allows for tailoring of coverage limits, retention, and coinsurance for losses incurred as the result of a ransomware encounte
Neglected Software Exploit Endorsement
Keeping software up to date is an important aspect of good cyber risk hygiene. Many losses can be prevented by patching vulnerable software before cyber criminals have an opportunity to exploit it, but some organizations may not patch software right away. Sometimes there are legitimate reasons why software updates need to be tested before being rolled out – and compatibility, capacity, or simple logistics issues may prevent even a well-run information security organization from deploying patches within the first day or week after they become available.