Excess Liability

Excess Elite. Fast, simple, high performance.

Excess liability protects clients from major incidents that could exhaust their primary insurance protection.

If clients do experience a claim under their excess liability policy, then it could well be for a large scale incident with severe consequences for many people and organisations, for example a severe accident or a product liability crisis.

We cover Employers’, Public/Products and Motor Third Party Property Damage Liability. In addition we include crisis management cover for up to £100,000 and Medical and Vocational rehabilitation.

The wide scope of Excess Elite’s coverage goes a lot further than just topping up the primary insurance. It also provides some valuable additional services for accidents that threaten to breach the primary limits and impact the excess layer.

Excess Elite

What is covered?

Excess Employers’ Liability

Excess Public Liability

Excess Products Liability

Excess Commercial Motor (third party property damage)

Who is it for?

UK-based companies including those with overseas sales or operations – may be tailored for overseas subsidiaries, but not for companies with no UK connection.

See our Risk Appetite

Cover Extensions

Crisis Containment Management

  • Professional communications expertise (eg internal communications to staff and external communications with media) is provided in the event of an incident that could trigger indemnity from our excess layers
  • Delivered by an approved Crisis Communications Company it provides services up to the value of £100,000
  • Crisis Containment can be invoked by a key executive* of the client following any event which it is believed could result in a damages claim exceeding the limits of the underlying insurance or Self Insured Retention, and which is accepted by the Crisis Management Firm

*  as defined in the Policy Cover sub-headings

Medical and Vocational Rehabilitation

Excess Elite includes medical and vocational rehabilitation services for the victims of serious personal injury.  Services may include private treatment where NHS delays are detrimental, complementary treatments, trauma counselling and vocational consultancy.

Claims First

See our Value Proposition for Liability Claims 

Why choose Excess Liability from AIG?

Product Flexibility

Excess Elite is very flexible. It can cover excess public liability, excess products liability, excess employers' liability and excess motor third party property damage. Policy periods can be selected from short term periods of 1 day for individual contracts*.

Limits can be selected from £1m up to £70m and attachment points can be adjusted to the clients' requirements. Minimum premiums start from £375, so Excess Elite can be affordable for companies of all sizes.

*Up to 18 month periods


Speed & Simplicity

Brokers can get an Excess Elite quotation very quickly - usually in just a couple of minutes over the phone or online with our quick quote system. Because sometimes clients need to arrange their excess insurance urgently, we’ve made sure we can confirm cover as quickly as possible (so we don’t even need to see the underlying primary wording for instance).

Because it’s so fast and simple to get a quote, it’s easy for brokers to suggest optional limits to clients at renewal.

Capacity & Expertise

Excess Elite’s underwriting capacity, up to £70 million scores very highly in our research among brokers, with reports that it offers among the highest levels of capacity available in the market.

This is backed up by the skill and expertise of our casualty underwriters. They are renowned for their high authority levels so brokers can speak to decision makers on particular cases and get to underwriting experts throughout our regional branch network.


Excess Elite is designed for a huge range of industrial sectors. We can’t promise we’ll be able to underwrite everything, but please ask us, we’d be delighted to discuss clients’ needs whatever their trades and occupations.

Related Documents

See Casualty documents

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