Excess Liability

Providing excess capacity above a business’s primary liability insurance protection.

A Commercial Excess liability policy protects businesses against third party major claims that could exceed their primary liability insurance protection. This product extends to include employers’, public/products and motor third party property damage liabilities.

Features & Benefits

  • Available capacity is dependent on SIC covers as well as ventilation.
  • Dedicated team covering underwriting, and claims management.
  • US exposure understanding for our exporting clients with US clients/vendors
  • Hard Currency policies

Who is it for?

  • Excess of Loss (Follow Form): single-territory, international, multinational
  • Umbrella - providing broadened cover across multiple small to medium sized risks.
  • Non-conventional placements, difficult and potentially catastrophic risks.
  • Multinational risks.
  • North American exposures: both exported products and domiciled risks.
  • Energy and utilities.
  • Construction.
  • Manufacturers such as chemicals, minerals, metals, electronics and machinery.
  • Service industry and financial institutions.
  • Communication, media and technology.
  • Food and beverage.
  • Retail.

What is covered?

  • Providing excess capacity above primaries irrespective of where primary is placed.
  • Umbrella Liability providing capacity as well as unique broadened cover across multiple risks.  

Excess Liability policies are short-term products and are underwritten by AIG South Africa Limited, FSP No: 15805