Excess Line

Plain English Definition: Excess line insurance provides coverage through non-standard insurers for high-risk policies.

What Excess Line really means for someone with an insurance policy

Excess line policies cover unique or high-risk situations where standard insurers may not provide coverage. These policies are usually managed by specialty insurers outside state-regulated networks.

Excess Line Real World Examples

• A business requiring coverage for a high-value construction project uses an excess line policy.
• Owners of properties in flood-prone areas obtain coverage through excess line insurers.
• A technology startup with unusual business risks secures specialized liability coverage.