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Excess Protect

Excess Protect is AIG’s high performing excess liability product designed to cover major incidents that could exhaust a client’s  primary insurance.

Why Choose AIG for Excess Liability Insurance?

Excess Protect – AIG’s excess liability product for UK-based companies – is designed to surpass standard insurance cover for added financial security. It unites any combination of Employers’ Liability, Public Liability, Products Liability and Motor Third Party Property Damage Liability under a single policy. As a highly customisable product that’s suitable for a wide range of businesses, Excess Protect offers adjustable limits, policy periods and attachment points to meet specific needs.


Trade on AIG eXtra & Acturis

For SME clients, brokers can also quote and bind Excess Protect online via our award-winning AIG eXtra platform and Acturis.

The AIG Advantage

AIG Excess Protect solutions

Excess Protect playbook 

PDF file - 2.8 KB

Excess Protect Product Profile 

PDF file - 37.6 KB

Excess Protect is quick and easy for brokers to use. With significant limits, it takes just a couple of minutes to get an online quote. It can cover any combination of excess public liability and products liability, employers’ liability or third-party property damage motor liability; while limits, policy periods and attachment points can be easily adjusted to match clients’ needs. Excess Protect is suitable for a wide range of businesses and with minimum premiums starting at £375 (online) it can be affordable for companies of all sizes.

  • Excess Employers’ Liability
  • Excess Public Liability
  • Excess Products Liability
  •  Excess Commercial Motor (third party property damage)

If claims losses erode the aggregate limit on any of its underlying policies, Excess Protect will automatically attach to the reduced aggregate limit. If losses completely exhaust an underlying aggregate limit, Excess Protect will replace the primary policy for that aggregate limit (Subject to Limit of indemnity, General Definitions, General Exclusions General Claims Conditions and General Provisions.)

If a primary insurer applies proportional reduction to a claim because of an accidental breach of duty of Fair Presentation, then Excess Protect may still attach at the agreed attachment point. This means that Excess Protect would pay the portion of the loss that would have exceeded the primary limit had it not been reduced.

Excess Protect also includes coverage for Public Relations consultancy services including advice and strategy for internal communications to staff and external communications (e.g., to customers, regulators and other stakeholders) up to a value of £100,000.  This is designed to help the minimise reputational damage of an event which could potentially give rise to a claim under the policy.

Excess Protect provides affirmative cover for physical Bodily Injury and tangible Property Damage involving a cyber event or incident.  For the avoidance of doubt, liability for any data is excluded, so there is transparency that the policy will not respond in the event of a data breach that could lead to legal liability claims in respect of the General Data Protection Regulation (GDPR) and the Data Protection Act 2018.

Excess Protect video summary

An introduction to Excess Protect “fast, simple, high performance with significant limits”.

Our Casualty leadership team

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