excess layer liability insuranceExcess Layer Liability Insurance is a policy which provides additional cover in excess of that provided by the underlying insurers. Excess Layer Liability Insurance can be used when underlying insurers are unable to provide a sufficient limit of  indemnity or it may be used to achieve a limit of indemnity more cost effectively.

Excess Layer Liability Insurance can be used for most liability classes, the most common including Public/Products Liability, Employers Liability, Professional Indemnity, Motor Third  Party Property Damage and Directors & Officers Liability

Excess Layer Liability Insurance is a separate policy that, in the main, will follow the terms and conditions of the  underlying policies . The Excess Layer Liability Insurance may have some terms and conditions that differ from the underlying policies, and these need to be checked carefully to ensure the cover provided is suitable.

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