Call 0800 197 5515 (Mon-Fri 9am-5pm) Business Insurance

Excess of Loss Insurance (or sometimes known as excess layer insurance) is available to meet the needs of businesses requiring larger levels of liability insurance cover.  Excess of Loss Liability insurance can be used when underlying insurers are unable to provide sufficient limit of indemnity or to achieve a limit of indemnity that is more cost effective.

Excess of Loss Liability insurance is a separate policy that in the main follows the terms and conditions of the underlying policies.  Please bear in mind that the Excess of Loss Liability insurance terms and conditions may differ from those mentioned on the underlying policy therefore these need to be checked carefully to ensure cover is suitable.

Key benefits include:

  • Premium simply based on estimated annual wage roll and payments to bona-fide sub-contractors for Employers’ liability cover
  • Premium simply based on estimated annual turnover for Public and products’ liability cover
  • Multiple trades considered
  • Efficacy/failure to perform available for selected trades

We can provide Excess of Loss Liability insurance for:

  • Employers Liability in isolation
  • Public & Products Liability in isolation
  • Employers liability and Public and Products Liability combined

And we can offer this cover to:

  • Contractors
  • Tradesmen
  • Cleaners
  • All Package Products
  • Manufacturing and Processing
  • Wholesalers and Distribution
  • Property Owners Liability
  • General Commercial Combined
  • And many more

Please contact our dedicated helpline 0800 197 5515 to discuss your requirements or complete the Request a Call Back form and one of our team will contact you.

The above cover and limits are based on our products only. In certain circumstances we may seek terms from alternative markets and we will set out our recommendations to you based on our assessment of your requirements.