--- title: Excess Liability Insurance description: Extend your coverage limits with excess liability insurance. Protect your business from large claims that exceed your primary policy—ideal for high-risk industries and growing companies. --- [Skip to main content](https://proriskinc.com/excess-liability-insurance/#maincontent) [![Eriq Logo](https://proriskinc.com/hs-fs/hubfs/Eriq%20Logo.png?width=200&height=141&name=Eriq%20Logo.png) ![Eriq Logo](https://proriskinc.com/hs-fs/hubfs/Eriq%20Logo.png?width=200&height=141&name=Eriq%20Logo.png)](https://proriskinc.com/?hsLang=en) Type of Coverage - [Small Business Insurance](https://proriskinc.com/small-business-insurance) - [Cyber Liability Insurance](https://proriskinc.com/cyber-liability-insurance/) - [Trucking Insurance](https://proriskinc.com/pro-trucking-insurance) - [Contractors Insurance](https://proriskinc.com/contractors-insurance) [Who We Serve](https://marketplace.impactplus.com) [Learning Center](https://proriskinc.com/prorisk-insurance-blog?hsLang=en) [About Us](https://marketplace.impactplus.com) [Get a Quote](https://proriskinc.com/get-a-quote?hsLang=en) Search for topics or resources Enter your search below and hit enter or click the search icon. Search for topics or resources Close Search Type of Coverage Type of Coverage [Small Business Insurance](https://proriskinc.com/small-business-insurance?hsLang=en) [Cyber Liability Insurance](https://proriskinc.com/cyber-liability-insurance/?hsLang=en) [Trucking Insurance](https://proriskinc.com/pro-trucking-insurance?hsLang=en) [Contractors Insurance](https://proriskinc.com/contractors-insurance?hsLang=en) [Who We Serve](https://marketplace.impactplus.com) [Learning Center](https://proriskinc.com/prorisk-insurance-blog?hsLang=en) [About Us](https://marketplace.impactplus.com) [Get a Quote](https://proriskinc.com/get-a-quote?hsLang=en) ProRisk Insurance # Excess Liability Insurance Protect your employees and your business [Get a Free Quote](https://proriskinc.com/get-a-quote?hsLang=en) 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. ![Excess Liability Insurance image](https://proriskinc.com/hs-fs/hubfs/Excess%20Liability%20Insurance%20image.webp?width=1024&height=682&name=Excess%20Liability%20Insurance%20image.webp) ## 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! ### **Ready To Get Started?** [Get a Free Quote](https://proriskinc.com/get-a-quote?hsLang=en) Licensed in CA, NV, AZ, and TX ![Licensed Map](https://proriskinc.com/hs-fs/hubfs/Licensed%20Map.webp?width=203&height=128&name=Licensed%20Map.webp)   Office ProRisk Insurance 65 Enterprise Aliso Viejo, CA 92656 (888) 493-8055 Quick Links - [About Us](https://marketplace.impactplus.com) - [Blog](https://proriskinc.com/prorisk-insurance-blog?hsLang=en) - [Business Insurance](https://proriskinc.com/small-business-insurance?hsLang=en) - [Personal Insurance](https://marketplace.impactplus.com) © 2026 ProRisk Insurance All Rights Reserved. [Privacy Policy](https://marketplace.impactplus.com) [Terms & Conditions](https://marketplace.impactplus.com)