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.

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.