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Excess Liability

What is Excess Liability Insurance?

Excess liability insurance provides additional coverage beyond the limits of your existing liability policies—such as general liability, auto liability, or employer’s liability. It acts as a financial safety net when your primary insurance reaches its maximum payout.

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Why Do Businesses Need Excess Liability Insurance?

  • Higher Protection Limits: Lawsuits, medical claims, or major accidents can exceed standard policy limits—excess coverage helps bridge the gap.

  • Risk Management: It safeguards your business assets and future earnings from catastrophic liability claims.

  • Contract Compliance: Some contracts or clients may require higher liability limits that only excess insurance can provide.

  • Peace of Mind: It reduces the financial burden of high-cost claims and strengthens your overall risk protection strategy.

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Who Needs Excess Liability Insurance?

  • Businesses with High Public Exposure: Retailers, restaurants, property managers, or venues open to the public.

  • Contractors & Construction Firms: Due to high-risk job sites and third-party liability concerns.

  • Manufacturers & Distributors: Product liability risks can lead to costly claims.

  • Transportation & Delivery Companies: Greater potential for auto-related accidents.

  • Professional Services & Consultants: When working with high-value clients or sensitive industries.

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