Have you got a liability policy or indemnity policy in place but the limits are too low? In certain trades or industries the risks you are exposed to may exceed the standard limits on your current insurance policy.  That’s where excess layer liability comes in.

The Excess Layer Policy can be arranged in order to provide the extra level of indemnity required. A claim which is in excess of the limit under the base policy will be met by the additional policy.  Alternatively, it may be a cost effective way of obtaining higher limits of indemnity without using the full capacity of the existing Insurer.

Excess Layer Liability can be used for Public / Products Liability, Employers Liability and/or Professional Indemnity covers.

If you require Excess Layer Liability insurance , then talk to us about your requirements. We will work with you to determine what your potential exposure to risk is and therefore what limit of indemnity you require.

Whether you need us to determine whether your existing liability policy is sufficient or put in place an excess layer liabily policy, call us today on 01489 579808 for a friendly no-obligation quotation and discussion or contact us via our webform.

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In brief, the Excess Layer Liability Insurance Policy covers

Excess Layer Liability Insurance enables you to obtain higher limits of indemnity for your Liability Insurance covers over and above that provided by your existing Insurer. Alternatively, it may be a cost effective way of obtaining higher limits of indemnity without using the full capacity of the existing Insurer.

An example of how the cover operates is as follows:

A contractor holds a Public Liability Policy with a Limit of Indemnity of £5,000,000 which had previously been adequate to meet all contractual obligations and risks on which he had been working.  He secures a Local authority contract which requires him to have a Limit of Indemnity of £10,000,000. The existing Insurer is unable to provide any more cover than it already does so our client purchases an Excess layer cover of £5,000,000 over the Primary cover of £5,000,000.

In the event of a claim the Primary Insurer pays all claims up to £5,000,000 and the Excess Layer Insurer pay all claims over that amount.

  • We will fully explain the Excess Layer Liability Insurance policy cover to you.
  • We will provide you with an ‘easy reference’ schedule.
  • You will have a dedicated account manager for the life of your Excess Layer Liability Insurance policy.

What happens in the event of a claim?

Our role is to ensure that any claim made is settled with the minimum of delay, this is demonstrated by our proven claims management procedures and dedicated claims system backed up by experienced members of staff.

FAQ Excess Layer Liability




We will advise on the cover best suited to your needs and circumstances.


We will handpick the best policy to meet your needs and requirements.


We will explain in plain English what the policy covers and options available to you.


We will ensure that you are made aware of any policy restrictions, excesses & theft protection requirements as applicable.


We will have a dedicated Account Manager for the life of your policy.



ETHICAL. THOUGHTFUL. EXPERIENCED. Greenfield would rather advise you correctly and not win your business,
to make sure you don’t suffer in the long term.

Greenfield Insurance Services is an Independent Insurance Broker specialising in providing Insurance Solutions to Business and High Net Worth private clients.

Based in Hampshire our Team of Insurance professionals are dedicated to providing strong technical advice in order to hand pick policies to suit your individual needs. All of our technical staff undergo a continuous training programme and work to our customer charter. Having established the business in 1989, Stephen Greenfield was joined by James Mant as a full Equity partner in 2001. Following Stephen’s retirement in 2018, James took over control of the company.


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For a non-biased independent view, call 01489 579808

For a non-biased independent view,
tap to call 01489 579808




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I think your service is amazing compared to other brokers. Nothing is too much trouble. You keep chasing me when I fail to get docs to you. Any claim I have had has been dealt with very quickly and I have always known where I stand. I would recommend Greenfield to any business or personal client.


The risk of potential repercussions and perils of obtaining inadequate insurance cover for us, and for our clients, is entirely removed by the professional insurance services offered by Greenfield Insurance. We can deliver insurance cover introductions to our clients in the knowledge that Greenfield will always provide the right cover at the right price.

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Just a few words to say that here at Inside Outside design we have been pleased with your high quality of service and attention to detail in providing us with the policies that were best suited for our business needs.

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