If you are about to undertake a large contract or project requiring a high level of public liability insurance, it is important you take out excess of loss insurance.

Excess of loss insurance, or excess layer cover, is particularly appropriate for companies who are required to take out top-up insurance providing increased limits of liability, due to the requirements of the project.

Typically, this may apply to construction companies taking on very large projects, such as PPP or PFI contracts for local government, or sub-contractors undertaking a specific aspect of such a contract.

With access to specialist and high-risk underwriters, we can provide excess of loss cover for all types of contractor or sub-contractor involved in the construction and allied trades.

Cover is extremely flexible to your individual requirements and the policy offers wide wording at a very competitive rate. As required, cover for public liability can be arranged for up to £50m, employer’s liability up to £25m, and there is the capacity to rise to £100m