Excess Liability

Excess Elite. Fast, simple, high performance.

Fast, simple, high performance protection for clients from major incidents that could exhaust their primary insurance protection. It also provides valuable additional services for accidents that threaten to breach the primary limits and impact the excess layer. 

Who is it for?

UK-based companies, including those with overseas sales or operations. Coverage may be tailored for overseas subsidiaries but not for companies without UK connection.

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Excess Elite

Product details

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

If clients experience a claim under their excess liability policy, then it could be for a large-scale incident with severe consequences. For example, a severe accident or a product liability crisis.

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

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


Policy covers

Excess Employers’ Liability

Excess Public Liability

Excess Products Liability

Excess Commercial Motor(third party Property)

Cover Extensions

Crisis Containment Management

  • Professional communications expertise, 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.
  • This is delivered by an approved Crisis Communications Company and 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 believes 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.

Affirmative Cyber

As a result of AIG’s commitment to the Prudential Regulation Authority’s (PRA) investigation into “silent cyber”, AIG policy wordings and endorsements have been updated to ensure that there is no doubt how our coverage would respond in respect of a cyber event; injecting clarity and providing peace of mind.

Affirmative cover is now provided in respect of physical Bodily Injury and tangible Property Damage arising out of, based upon or attributable to or in any way involving, directly or indirectly a cyber event.

In addition to this, there will be no doubt how your policy will respond in the event of a data breach which may lead to claims arising in respect of your legal liability in respect of the General Data Protection Regulation (GDPR) and the Data Protection Act 2018.

Why is this important?

  1. Affirmative cyber enables you to understand how your insurance policies will respond to a cyber event
  2. Affirmative cyber enables you to build insurance into your cyber risk management planning 
  3.  Affirmative cyber enables AIG to measure and understand the accumulation of our cyber risks and provide the right cover to support your business in this changing world.


How can we help?

Knowing you have a team of experts across the UK, who understand your complex risks and can help you face them with confidence is more important now than ever before. 

Each AIG team member is fully committed, using their experience and expertise to assist you in protecting assets and maintaining business continuity.


Risk Consulting

Our dedicated Casualty Risk Consulting unit within our team is focused on the development and delivery of a range of alternative programme solutions to meet our clients’ needs.


Our London multinational team of around 65 dedicated specialists from over various countries has multilingual capabilities in over 20 languages and works is working closely with the underwriters to service multinational programs. In addition, Our global network of strong and well-established AIG local offices and top-tier global network partners means we can issue policies and service multinational clients across the globe.

Using our specialized global fronting capabilities in Multinational, Alternative Risk transfer and Captive solutions, we work with clients and brokers to produce bespoke multinational solutions. This allows our broker partners to respond to a wide range of multinational opportunities across all lines, sizes, sectors, and geographies worldwide.

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