Excess LiabilityExcess Liability Insurance provides additional limits over and above the liability limits provided by an Automobile, General Liability and Employers Liability policy. This line can also be extended to include excess coverage over Aviation, Watercraft and other specialty liability policies. Excess Liability can be broadened to serve as an Umbrella policy, providing excess coverage over scheduled policy and primary coverage for liability not otherwise insured. Excess Liability is structured as a “pay on behalf” and usually provides defense costs in addition to the limits of liability. Coverages can be written in a variety of ways including current operations or a specific project.
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