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ProRisk Insurance

Excess Liability Insurance

Protect your employees and your business

Understanding Excess Liability

Excess Liability Insurance: An Overview

Excess liability insurance is a type of coverage that provides extra protection beyond the limits of an existing liability insurance policy. It acts as a backup policy that kicks in when a primary policy’s limits are exhausted due to a large claim or lawsuit.

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Key Features of Excess Liability Insurance

Extends Coverage Limits

Provides additional coverage when the limits of primary policies (e.g., general liability, auto liability, or employer’s liability) are exceeded.

Business & Personal Use

Commonly used by businesses for higher-risk exposure but also available for individuals needing extra protection.

Does Not Expand Coverage Scope

Unlike umbrella insurance, excess liability only increases the policy limit and does not add new coverages.

Example Scenario:

  • A business has $1 million in general liability coverage.
  • They face a $1.5 million lawsuit.
  • Their excess liability insurance with a $2 million limit covers the additional $500,000 after the primary policy is maxed out.
ProRisk Insurance

Excess Liability Insurance

As an independent insurance agency, we have access to multiple top-rated insurance companies. Our team will take the time to compare rates and find you the best deal!

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