Excess Liability

Go above and beyond to protect yourself and your company.

With TSIB’s Excess Liability Insurance—which provides additional coverage above and beyond your Automotive Insurance, General Liability, and Employer’s Liability policies—you’ll be prepared for large-scale disasters and claims. We’ll jointly determine the level of insurance that will provide you peace of mind should an accident cause a truly horrendous injury or extensive damages requiring payments larger than $1M.

Coverages can be written in a variety of ways including current operations or a specific project. When a claim is made, the insurance carrier provides the defense costs (pay on behalf) in addition to the limits of liability. TSIB Excess Liability Insurance solutions provide an additional layer of protection against disasters.

  • Broad follow form coverage provides consistency between primary and excess layers.
  • Defense is provided in addition to the limits of liability.
  • Completed operations coverage.
  • Policy “follows form” over primary coverage.
  • Policy Forms: Carrier-specific forms are utilized.
  • Policy Term: Annual policy for on-going operations and up to 5 years for project specific coverage.
  • Limits of Liability: Limits of up to $600M are readily available.
  • Retentions: None for excess coverage, minimal Self-insured Retention of $10,000 for Umbrella drop down.

The sole purpose of Excess Liability is to provide additional limits to the underlying insurance. It will only trigger when that insurance policy reaches its limit responding to an occurrence.

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