Excess Layers

We are a Coverholder at Lloyd’s providing a broad range of insurances for the Australian market.
Don’t forget to check out the Our People page to find out about the FTA team. They can’t wait to talk to you!

Excess Layer Insurance

Excess layer (aka Excess of Loss) insurance is when one insurer provides insurance for the first part of a claim/loss and then another insurer provides insurance for the next part of the claim/loss. The insurance for the “next part of the claim/loss” is referred to as the Excess Layer.

For example:

ABC Insurance provides a $5m limit but is unwilling to provide a higher limit

XYZ Insurance offers to provide the next $5m of insurance

If the Insured has a $6m claim then ABC pays $5m and XYZ pays $1m

FTA is able to provide excess layer insurance and has a follow form wording for use in such circumstances.


FTA provides excess layer insurance for:

Professional Indemnity
Management Liability
D&O insurance – Private companies only
Cyber Insurance

Our Appetite & Needs

To provide terms for Excess Layers FTA will need a copy of the primary quote
or terms if it is a mid term purchase and the proposal form. The primary
wording is also helpful too.

Professional Indemnity


FTA can consider most professions on an excess layer basis


but we decline solicitors, valuers (for mortgage purposes), financial planners and engineers

Management Liability or Private company D&O


FTA can consider FTA can consider most white collar professions, associations and sports associations


but we decline blue collar industries

Cyber Insurance


FTA can accommodate a very wide range of professions and industries


but no gambling or cryptocurrencies

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