Excess of Loss (Excess Liability)

An excess of loss liability policy provides a business with additional cover for losses exceeding a specified underlying limit. Affording protection from large individual losses, as well as aggregated claims, excess liability offers peace of mind for catastrophic or cumulative losses that may otherwise not be adequately insured.

When a primary insurer is unable to provide the limits required to meet a customers’ needs an excess liability policy, or series of policies, can ‘top-up’ the cover to the level required.

Responsive local service and on e-trade

People who partner with us find we’re professional, pragmatic and dependable. We are known for our entrepreneurial approach, and we’re geared to finding solutions, whatever challenges or opportunities you may have.

We can insure businesses of all sizes, through our UK regional office network of experienced empowered underwriters, and also via e-trade through Acturis and QBE FastFlow.

Broad underwriting appetite

We have a broad underwriting appetite for UK domiciled risks including:

• those where work is undertaken and/or products are exported outside the UK
• contracting trades presenting heat, height and depth exposures (within parameters)

For larger / corporate excess of loss programmes we can follow underlying wordings where we have had the opportunity to review.

Here when you need us

It’s only when you make a claim that you really discover the value your insurer delivers. At QBE, we provide an efficient and effective claims service that allows us to assess and pay valid claims promptly.