Excess of Loss insurance

A policy to provide you with top-up liability cover.

Excess of Loss insurance can provide you with additional cover above your primary liability policy. Therefore giving you protection against major incidents that could exceed your primary insurance. When your primary insurance may not be able to provide the limit of indemnity you require, we can top-up the cover to ensure you get the protection you require.

When would you need an excess of loss liability policy?

You may in fact need an excess of loss public liability policy in a situation where your primary policy’s limit of indemnity is unable to provide enough cover. In this case, where you may be facing a very large claim, you would be wise to have this cover in place.

Excess of loss public liability insurance policies indeed are stand-alone additional policies that can provide cover for a set limit of indemnity in excess of the primary limit of indemnity. If a high limit of indemnity is required, you can go for a number of excess of loss public liability insurance policies, which we also refer to as layers. These provide different limits of indemnity which of course stack up to achieve your required total limit.

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Should I pay monthly or annually?
It is cheaper to pay for insurance annually. If paying monthly, we use an external company, Premium Credit, which pay the insurance and then charge you over a 10 month period adding on 9.5% interest.
What are our opening hours?
We are open from 9am to 5.30pm Monday to Friday. We are can get your enquiries by website or phone. If you ask for a quote on the weekend, we will get in contact with you first thing on Monday morning when we are open.

Why Insure with Evergreen?

When you buy insurance from Evergreen Insurance Services, you are making the world a better place. Furthermore, it does not cost you anything because your policy generates a donation, from our comission, to one of our amazing charity friends. As a result, you are contributing towards the protection of our natural world for generations to come. We have already donated vast sums which have gone to many great projects. To gain an insight as to what has been achieved, visit our ‘where donations go?’ page.

As part of the SIA group, we have over 25 years experience and thus the expertise to ensure you receive the best possible service. Therefore why not request a quote today!

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