Excess Layer Liability


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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.

Established & Specialist Independent Insurance Services tailored for individual business needs, private clients and high value requirements. Greenfield has provided trusted technical advice from a dedicated UK-based team since 1989.
Working to a stringent customer charter and continuously trained to professional industry standards.

Don't leave yourself open under an industry indemnity or liability policy that may not stretch to the extent needed. Talk to us about extra protection provided by the convenience of Excess Layer Liability. Often appropriate for building and construction.


Business Combined


Residential Property Owners


Commercial Property Owners


For a non-biased independent view, call 01489 579808

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




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