Excess

Excess Layers.

High-capacity excess layer placements on standard and complex primary programs

Overview

What's covered.

Excess layer capacity sitting above any primary insurer's policy. Used to build large limit programs for professionals, contractors and corporates requiring more than $10M of cover.

Appetite

Occupations we cover.

Preferred Occupations

  • Professional Indemnity Programs
  • Directors & Officers Programs
  • Management Liability Programs
  • Combined PI & GL Programs
  • Cyber Programs
  • Design & Construct Programs
  • Technology / IT Liability Programs

Declined Occupations

  • Primary-only Placements
  • Financial Institutions
  • Mining & Resources
  • Aviation & Marine
  • Medical Malpractice
  • Distressed / Run-off Programs
  • USA / Canada domiciled primary
Key Features

The features brokers care about.

Build Large Programs

Stack FTA capacity above the primary to reach $20M+ limits.

Follow Form

Follows the primary policy wording — no coverage gaps between layers.

Fast Decisions

Excess layer quotes typically returned within 48 hours of receiving the primary terms.

Across All Products

Excess capacity available on PI, D&O, ML, Cyber and combined programs.

Start your journey with FTA today.

Send a submission and we'll respond with terms within 48 hours.