Excess Liability Insurance
Our Excess Liability insurance provides an extra layer of protection, helping businesses mitigate large-scale liability claims that exceed the limits of their primary policies. At Canopius, we deliver comprehensive solutions tailored to middle and upper-middle market businesses, ensuring resilience and financial security in the face of unforeseen risks.
With a focus on flexibility and practical solutions, our policies are structured to accommodate complex liability exposures across various industries.
Canopius provides innovative and customised Excess Liability insurance solutions to safeguard businesses against significant financial losses. Our offerings include:
Follow-form Excess Liability Policies:
- Follows the terms and conditions of the underlying policy, providing increased limits of liability protection.
- ISO-based policies with proprietary forms, enabling customised coverage solutions.
- Lead Excess, Excess Layer, and Excess Layer Quota Share placements.
Non-admitted coverage: issued through Canopius US Insurance, Inc. for enhanced flexibility.
Minimum underlying limits for lead excess:
- General Liability: $1m / $2m / $1m (USD).
- Auto Liability: $1m (USD) Combined Single Limit (CSL).
- Employers Liability: $500k / $500k / $500k (USD).
Our solutions are designed to seamlessly integrate with existing primary coverage, enhancing financial security against liability risks.
- Delivering practical solutions for both standard and complex liability scenarios.
- Providing expert consultation on Lead Excess placements and excess layer structuring.
- Structuring policies that align with clients’ operational and risk management strategies.
- Supporting businesses with proactive risk assessment and customised policy solutions.
- Bodily injury and property damage: protection against liabilities arising from operational activities.
- Commercial auto liability: excess protection for automobile-related liability claims.
- Employer liability: safeguards against employee-related claims exceeding primary policy limits.
- Product and completed operations: covers risks associated with manufactured and distributed products, as well as completed operations.
- Commercial real estate: coverage for property owners, including lessor’s risk.
- Construction: commercial and industrial specialty trade and general contractors, as well as residential remodel/repair exposures.
- Dealers, distributors, and wholesalers: sale and distribution of commercial, industrial, and consumer products, including importers.
- Hospitality: hotels, catering businesses, and sports/recreational enterprises.
- Manufacturing: commercial, industrial, and consumer product manufacturers, including importers.
- Retail and mercantile: coverage for a wide variety of store-front operations.
- Service sector: customised solutions for diverse service providers.
Our capacity
Canopius provides substantial capacity for Excess Liability insurance, ensuring comprehensive risk management solutions:
Maximum capacity: up to
available.
Lead Excess placement limit:
maximum limits.
Excess Layer placements: limits >
require a minimum attachment point of
Attachment point and capacity deployment are determined based on industry, operational scope, and individual risk profile.
What sets us apart
At Canopius, we combine expertise with commitment to deliver industry-leading solutions. Here’s what makes us a trusted partner:
- Customised policies: proprietary forms allow for tailored coverage aligned with each business’s unique risk factors.
- Efficient turnaround: our underwriting team strives to deliver decisions within 24 hours upon receipt of necessary information.
- Long-term stability: we remain committed to providing consistent support and market presence, even in volatile conditions.
- Proactive risk management: we stay ahead of market trends, ensuring policies adapt to evolving business needs.
- Specialised underwriters: our team possesses deep knowledge of complex liability exposures and develops innovative, practical insurance solutions.
Speak to one of our specialist underwriters
