Excess of Loss (Excess Layer)

Excess of Loss (Excess Layer)

Your client may have an excess layer of up to £30m. Premiums start from £100.

In certain trades or industries the risks your clients are exposed to may exceed the standard limits on their current insurance policy. Touchstone Underwriting can provide the additional limit of indemnity required.

This policy is most commonly used for excess Public/Products liability covers but can be bought for Employers Liability.

We may consider most UK-based companies including those with overseas sales or operations and multinational organisations. For companies with North American turnover, there is no limit on exports.

You can now quote, bind and renew this product online via our Broker Portal. Find out more*

To discuss your clients' needs please contact:

Mike Patston       
Divisional Director        
07720 739 896  
David Pargetor
01923 298 432

Please note that the underlying policy must be by a 'rated' insurer.

Coverage Limits:

  • No limit on North American exports
  • No limit on size/turnover
  • Up to £30m Limit of Indemnity layer
  • Options for work at “hazardous locations”; airports or aerodromes, on ships or within ship breaking yards, Offshore & Tunneling

Product Liability options for:

  • explosives or ammunition (although Fireworks are excluded)
  • gases and air
  • Power Generation plant and supply equipment and telecommunications equipment
  • chemical products and pharmaceutical products.
  • medical products
  • aviation products
  • motor vehicles and component parts for motor vehicles
  • Animal Feed
  • Marine products

Risks where the Insured own operate or possess any of the following;

  • Railways
  • Mines, quarries or collieries
  • Bulk oil and gas storage facilities
  • Chemical works
  • Professional sporting events
  • Hotel & Leisure

Target Business:

  • Tour Operators
  • Healthcare Trusts
  • Contractors including Roofers & Scaffolders
  • Wholesalers
  • Manufacturers
  • IT/Technology
  • Property Owner Liability

Broker Portal

Request access to our online Broker Portal, a web-based trading tool that provides immediate quotes and renewal offers with no hassle.

Excess of Loss is available to transact online via the portal.

Find out more.