EXCESS OF LOSS (EXCESS LAYER) INSURANCE

Excess Of Loss (Excess Layer) policies are designed to provide increased limits of Liability cover
over and above your primary insurance cover.

Most Local Authorities now require £10,000,000 or £20,000,000 Public Liability cover
for contractors irrespective of their their trade.

Example:

"A Scaffolding Contractor has £5,000,000 Public Liability and they have requested cover for £10,000,000 for a new contract.
The Excess Layer policy will provide £5,000,000 over £5,000,000 to give a total of £10,000,000."