Excess Insurance

Plain English Definition: Excess insurance provides coverage beyond the limits of a primary insurance policy.

What Excess Insurance really means for someone with an insurance policy

Excess insurance kicks in after the underlying insurance reaches its coverage limits, offering additional financial protection in major claims.

Excess Insurance Real World Examples

• An umbrella policy covering legal costs beyond homeowner’s insurance limits.
• Business liability coverage extending after a primary policy is exhausted.
• Medical expenses covered beyond standard health insurance.